Originally Posted by golfnut
Thanks for the feedback. We still are with my employer's plan and if we decide to leave it and go with an individual plan, we cannot go back.
Ages - Me 56, Wife 53.
One more thing to think about, Golfnut. Initial savings in going into individual market could quickly evaporate if their rates go up quicker than your group rate from your company. Just because it might be cheaper now, doesn't mean so in a few years. I've read on posts here through the years how they really got rate shock increases every year as they approached 65. Something you might be protected from more with your group plan at work. Just something else to worry about in your decision!