Larry, I continued my former health plan, and for another reason, Linda continued with her late husband's Federal survivors plan, so we paid double. She was not allowed into my plan because we were not married when I retired. Because of a decision I made at retirement, my plan will escalate to 500%, its real cost, when I am retired as long as I worked, 29 1/2 years. I don't have a choice, I will just pay it. All those years of paying 20% of real cost made my decision worthwhile. Yes, health insurance is a bitch, but we have to have it. I don't want to know how much it costs.
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