Midpack - thanks for the post - so glad to see that we are not alone in our dilemma re: healthcare. I also appreciate all of the other posts since early this am - Again, our main hesitation is the uncertainty - i.e. even though we can go out and purchase individual coverage or any other kind of coverage on the open market once DH retires, who is to say those policies won't be eliminated at some point because of the changes coming in 2014? Many companies right now are considering eliminating employee and/or retiree coverage because they see that it may not be economically feasible in the future to offer those plans. That's what we are worried about. Until the dust settles or the future becomes clearer and more certain, we will probably remain in this waiting pattern as we do not want to do anything that would risk us being put into a plan we don't want. And yes, we realize that the plan we are currently on could also be eliminated as well - its probably a case of being more comfortable right now with what is familiar. Sorry if this thread turned too much into a healthcare discussion but again, I do appreciate all of the responses.