Self-and-family coverage


Q. If a newly married couple has no children, can they enroll in self-only plans rather than the family plan if only one is a federal retiree? This seems an unfair expense for seniors to pay the high rate of a family plan when it’s only coverage for the two of them.

A. Unless your wife is a federal employee or retiree, she can only receive benefits through your self-and-family enrollment. She has no independent entitlement to coverage.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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