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Frequently Asked Questions Insurance

I am retired but my spouse is not. I want to drop out of the FEHB Program for a year or two because my spouse has good free coverage from her employer for the both of us. Will there be any penalty?

Be careful. Such a cancellation would be permanent. Annuitants cannot re-enroll in the program except under very limited circumstances, such as to enroll in a Medicare-sponsored health plan, as described below, or TRICARE. Another exception is if your spouse is also a Federal employee and you cancel to be covered by your spouse's FEHB plan. Further, neither you nor your family members would be eligible for continued coverage nor would you be able to convert your coverage to a private non-group policy. Do not drop out of the program unless you are sure of being able to re-enroll.

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