I can retire from the Fire Department next spring with 25 years in. My pension would be about $3500 a month, but the health insurance the Pension Board offers is $1,000 a month, and going up. So I can't afford to retire. By staying at the Fire Department another 3 years, my health insurance would "only" be about $500. I do have a 457 with $250k in it but I was wanting to buy a second home somewhere warm with the money, not fund my healthcare. There's a rumor that the Pension Board will offer a "High-Deductable-HSA" thype thing next year. Anybody else in this same boat?