Changing from self and family to self only


Q. I retired in 2006 from the Small Business Administration and have always had the Blue Cross/Blue Shield family plan. I carried this family plan into retirement.

My wife is also a federal employee and plans to retire in 2014. She is covered under my plan — that is, she never had an individual plan of her own.

I noticed that there is a $60-per-month difference between the family plan and two individual plans. Since my wife has been covered under my plan for more than five years, can she sign up for an individual plan during this open season and carry it into her retirement? (I would switch from a family plan to my own individual plan.)

A. You may both change to self-only enrollments during the current health benefits open season.


About Author

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

Leave A Reply