The Critical Health Insurance Decisions Every Federal Retiree Must Make
Federal retirees must weigh FEHB vs Medicare choices carefully, balancing premiums, coverage, and long-term penalties to protect health and savings.
Medicare
Stay informed on Medicare topics that matter to federal retirees, including how Medicare Parts B and D coordinate with FEHB coverage, annual premium and deductible changes, and the impact of IRMAA surcharges on retirement income. Explore clear explanations of enrollment decisions, cost considerations, and policy updates that affect federal retirement planning. This section provides timely analysis to help federal retirees understand how Medicare choices interact with FEHB, OPM guidance, and long‑term healthcare costs in retirement.
Federal Health Benefits Program in Retirement: How to Switch FEHB Plans After Leaving Federal Service
FEHB offers continuous health coverage for federal retirees, managed by OPM post-service. Review and adjust plans during Open Season to fit your needs.
Is Medicare Optional for Federal Retirees?
Federal retirees enjoy a unique advantage that many Americans lack: the option for lifelong employer-provided health insurance. Therefore, is Medicare still necessary?
The Unpredictable Retirement Cost That Blindsides Federal Employees
Federal retirees are facing significant FEHB premium hikes in 2026. These are some practical tips to help manage rising healthcare costs.
Why Avoiding IRMAA Can Cost Federal Retirees More in the Long Run
Paying Medicare’s IRMAA fees briefly can cut lifetime taxes for FERS retirees.
The Real Costs and Benefits of Working After Federal Retirement
Working after federal retirement boosts income and purpose but can impact FERS, Social Security, Medicare premiums, and future tax obligations.
How Medicare Premiums Quietly Erode Income for FERS Retirees
Federal retirees must plan early for the growing impact of Medicare on their Social Security and FERS annuity income.
Why Federal Employees Often Reach Their Highest Tax Bracket After They Retire
Federal retirees often face higher taxes than expected, as FERS, Social Security, and TSP RMDs quickly fill tax brackets and trigger Medicare surcharges.
Wait, FEHB Is Signing You Up for Medicare Part D Automatically?
Do federal employees need Medicare Part D if they already have FEHB and Medicare?
What to Do When Your Doctor Does Not Take Medicare
Although most physicians participate in Medicare, some do not. Here is how the process works.
