Health
Keeping FEHB in retirement, Medicare Part B, and Open Season.
Last updated November 12, 2026
Open Season 2027: Nov 9 to Dec 14, 2026
2027 FEHB enrollee premiums are up 10.9% on average. Review your plan's 2027 costs before Dec 14.
The 5-year rule
To keep FEHB in retirement, you generally must retire on an immediate annuity and have been enrolled for the 5 years immediately before retirement, or continuously since your first opportunity to enroll.
FEHB and Medicare Part B
At 65, decide whether to add Medicare Part B. FEHB plans coordinate with Medicare differently. Postal retirees in PSHB generally must enroll in Part B to keep PSHB.
Self Plus One vs. Self and Family
Match your enrollment type to who needs coverage. Premiums differ significantly.
Keeping FEHB for a surviving spouse
A spouse can generally keep FEHB only if you elect a survivor annuity and stay enrolled in Self Plus One or Self and Family.