Q. I have been working for the same government entity for close to 40 years. I recently turned 60 and discovered unexpectedly that I am now paying practically twice as much for my insurance every two weeks. I elected five times my salary plus benefits for my family. I am told that I should have dropped this insurance a long time ago and bought coverage through private insurance. I am looking into getting insured but am afraid my premiums are going to be kind of high due to my health. Is it wise to drop FEGLI and seek coverage elsewhere?…