Health Insurance Coverage After Federal Retirement

Health Insurance Benefits After Retirement

You may continue your heath insurance coverage after retirement if you meet the following conditions:

  1. 1. Your annuity must begin within 30 days or, if you are retiring under the Minimum Retirement Age (MRA) plus 10 provision of the Federal Employees Retirement System (FERS), health and life insurance coverages are suspended until your annuity begins, even if it is postponed.
  2. 2. You must be covered for health insurance when you retire.
  3. 3. You must have been continuously covered by the Federal Employees Health Benefits Program, TRICARE, or the Civilian Health and Medical Program for Uniformed Services (CHAMPUS): (a) for five years immediately before retiring; or (b) during all of your federal employment since your first opportunity to enroll; or (c) continuously for full periods of service beginning with the enrollment that started December 31, 1964.


Waiving the Requirements for Continuing Health Insurance Coverage

OPM has the authority to waive the five-year participation requirement when it is against equity and good conscience not to allow an individual to participate in the health insurance program as a retiree. However, the law says that a person’s failure to meet the five-year requirement must be due to exceptional circumstances. When someone is retiring voluntarily, a waiver may not be appropriate because he or she can continue working until the requirement is met. When circumstances warrant a waiver, OPM will generally notify the individuals employer.

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