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Last year because of ObamaCare , no longer concerned about the insurability issue, my former employer relinquished control of their retiree group plan and provided an opportunity for selection of individual health insurance. My former employer did and does still provide a contribution to which I am very grateful.

According to third party administrator's handbook individual health plans offer the same or less in costs than group plans because individual plans cover more people than any specific group plan.

The initial process was time consuming (spoiled since the employer was did all the chosing). However we followed my employer's blueprint and secured the same coverage as did the employer. However we choose a different RX plan and we chose poorly.

So this time around will continue our Blue Cross Blue Shield and Delta Dental plan but will change RX plans and I will drop my vision coverage. My wife may retain hers

As to costs there was not an appreciable difference.

Of course the health Insurance industry is in constant state of flux and God only knows what that will mean from the time of enrollment and/or when the policies of insurance come into effect ?