Wow, that is still very high. I would imagine the exchanges may provide you some rate relief, along with only paying for 2 instead of 3.
Because I brought up this healthcare topic, I felt that I need to tell some more for people who have not bought their own insurance.
What I saw was the Quicken download from checking and charge cards accounts, and I often did not know the exact breakdown. So, I talked to my wife who manages all the bills, and I have now better knowledge.
The $800/month is for more than health insurance premium. The premium is $520. The difference goes into an HSA account. When we started this policy several years ago, the premium was a lot less, and the monthly HSA deposit was a lot higher. Until my son's and my own serious illness, we never tapped that HSA account, and always paid for doctor visits out of pocket.
So, over the years, that HSA account built up to almost $40K. Now that we have tapped $10K each year for 2 consecutive years, it is now down to less than $20K. That HSA account is off my Quicken list, hence I did not know the exact situation.
Anyway, we used to have our eldest child included in the policy. When she flew the coop, I was surprised to find out that taking her out of the policy saved us little, something like $70-80. Obviously, young'uns' actuarial costs are very low. My younger son just started a new job with good benefits, but there is a delay until his health insurance enrollment. Once I am sure of it, will see what I save by taking him off, but I suspect it will be minimal.
So, my earlier numbers for healthcare cost of $11K/yr for a "good year", and $21K/yr for consecutive bad years are still valid. In fact, it would be higher with dental care included. We are both due for an implant or two each, or a bridge. And we are still a number of years from 65, and the premium has been rising fast with each year.
I am not sure how much PPACA will save us, but I will need to study the new policy very carefully to see if the coverage will be as comprehensive as our current one.