Every year for last ten years my retiree medical insurance escalated to the point it had doubled and then some. The company does not participate as far as deferring any cost; you pay from dollar one. As expensive as it got there was no choice because of a pre-existing condition. I recently went on Medicare which was a huge savings, but my wife needed to stay on the retiree policy. Beginning in 2014 the ACA did away with the pre-existing condition clause, and even though she did not qualify for any subsidies we were now able to shop around. Bottom line is that we were able to save $300.00 per month going from Cigna to Blue Cross. Same doctors, same co-pay, and less of a deductible.
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