Removing a spouse from family coverage


Q. I presently have self-and-family health insurance through Blue Cross-Blue Shield. I will retain family coverage for the children but want to drop my wife from coverage. Can I legally do this? She is eligible for Medicare due to disability. I am not retired.

A. No, you can’t. There are only two enrollment categories in the FEHB program: self and self-and-family. You are enrolled in the latter, which means that all your eligible family members are included.


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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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