Can Annuitants Save Money by Enrolling in FEHB Self Plus One?

Married couples with no children to cover, and single parents with one child to cover, can enroll as self plus one rather than as a family and, depending on the plan chosen, usually save two or three hundred dollars a year in premium costs, and often more. Since the benefits of the plan are identical (or in a few cases even better) in the self plus one plan, this is a clear saving. You should use our Guide for self plus one with adults of your age to make your initial plan comparison. But before you make a final decision, check to make sure the premium for a family enrollment isn't lower for the plan you have chosen. And while you are at it, check our ratings to see other plans that offer even larger savings.

In addition to the regular Open Season, where you can switch plans or enrollment category or both, OPM allows retirees to switch “down” from family to self plus one at any time during the year. This can only be used for the plan you are already enrolled in, not to switch plans, unless there is a “qualifying life event” such as death of family member or divorce.