If I retire before 20-year mark, I will have to pay $30 more a month towards my premium. (I am exploring the possibility of a high deductible plan w/ NO monthly payment.) My current plan offers a subsidy towards health insurance, and my balance w/ dental would be a total of $230 a month. Is it worth it to me to wait another 10 months to save $30 a month? At this point I would say "no." Would you disagree? Thanks for your input! I'm reading everything here!