To get an accurate picture of your costs, you need to include your portion of your health insurance cost plus your husband's employer's portion of health insurance costs. Just because hubby's employer doesn't funnel those dollars through you, they're still spent to your benefit and count as dollars you are living on.
Yes, I understand this. I just don't have the information, so I have to go on the info that I have.
At retirement DH will have a public employees pension that will include an allowance for health care insurance for both of us. There will be an option for a Basic, Intermediate or Enhanced plan. If the allowance does not cover the cost of the plan, we will have to pay the difference. If the allowance is more than the plan cost the difference goes into a Retiree Medical Account.
The specifics are unknown for now. I expect we will have a monthly cost and expenses for this, we won't know how much until we get there.