Insurance elections made during the recent benefits open season also take effect in January–as of the first of the month for retirees and as of the start of the first full pay period of the month for active employees (January 8 in most cases). Rates will reflect the new premiums in each plan, and changes in plans or changes in options elected under the FEHB and FEDVIP programs–and for active employees, new enrollments in the FEHB and in the flexible spending account program (FSA elections are effective as of January 1). Retirees are ineligible for FSAs and generally may not newly enroll in the FEHB, although they may newly enroll in FEDVIP. The rate increases applying to the large majority of enrollees in the FLTCIP long-term care insurance program took effect November 1. Rates in the FEGLI life insurance program are remaining the same; new or increased coverage elected in the September open season in that program (which applied only to active employees, not retirees) will take effect with the first full pay period of October.