My employer subsizes hc costs for retirees (55 yrs old min.) The total cost is $1,183/month for a $4,000/$8,000 deductible plan. This is the cost for a family of 3 (myself, wife and son).
My employer contributes $533/month. So net cost would be $650/month or $7,800 per year. I realize we would need to set up a HSA account as well.
Employers plan is with Universal. I also realize they can discontinue this retiree plan at any time.
Is this a good deal or would we be better off checking health plans on our own?
Any thoughts/insights would be helpful.