Complete Guide
FEHB in Retirement
Federal Employees Health Benefits continues into retirement — one of the most valuable benefits of federal service. Here's what you need to know.
$200,000+
Estimated lifetime value of FEHB in retirement vs. buying marketplace insurance
72%
govt premium share
5 yrs
enrollment required
65
Medicare age
200+
plan options
Key Topics
FEHB Basics
How federal health insurance works in retirement.
- Government pays ~72% of premium (same as while working)
- Your share deducted from pension check automatically
- Same plan options available as active employees
- Can change plans during annual Open Season
- Coverage continues for life (if eligible)
5-Year Eligibility Rule
The critical requirement to keep FEHB in retirement.
- Must be enrolled for 5 continuous years before retiring
- OR: enrolled since first opportunity to enroll
- Breaks in coverage can disqualify you
- Verify with HR before making retirement plans
- No exceptions — this rule is strictly enforced
Coverage Options
Self Only, Self Plus One, and Family coverage levels.
- Self Only: Just you (~$150-400/mo depending on plan)
- Self Plus One: You + spouse OR one child
- Family: You + spouse + children
- Can add/remove dependents during qualifying events
- Costs vary widely by plan choice
Medicare at 65
How FEHB coordinates with Medicare coverage.
- At 65, you become eligible for Medicare
- Most retirees keep FEHB AND add Medicare Part B
- Medicare Part B: ~$185/month (2024)
- FEHB becomes secondary coverage
- Together, they cover nearly 100% of costs
FEDVIP
Dental and vision coverage in retirement.
- FEDVIP continues separately into retirement
- Dental: ~$30-50/month
- Vision: ~$10-30/month
- Not included in FEHB — separate enrollment
- Can enroll during annual Open Season
Cost Comparison
| Coverage Type | Monthly Cost | Note |
|---|---|---|
| FEHB (Self Only) | $200-400 | Govt pays ~72% |
| ACA Marketplace (Age 60) | $800-1,200 | No subsidy |
| Medicare Part B | $185 | At age 65 |
| Medigap Supplement | $150-300 | Optional |
Costs are approximate and vary by location, age, and plan choice.
FEHB Tools
Related Topics
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