This is such a difficult topic, but DH and I are retireing (we hope) next year. (2008) He has worked for the same company for 31 years now and we have moved 5 times around the country, and he has been soooo loyal to this company. For the first 29 years, they would provide retiree health insurance for less than $200 a month, and we budgeted and saved for that plus a little more for inflation. Now, just a year before we are set to go, they have changed their formula and now retiree health insurance will cost almost $1000 per month. We are both in our mid fifties now, and, although we are in pretty good health, we both have a few issues that would probably prevent us from obtaining insurance in the open market. (His back surgery in 1995 and my breast cancer in 1989.) Right now, since he's still working, insurance is $300 per month for fairly decent coverage. I just don't know how we'll be able to retire and pay $1000 per month for ins. If we were back home on our wonderful few acres of heaven, he would not retire, but we are so unhappy where we are, and want and need to get back closer to family.....we miss our babies and grandbabies. Only other option is for him to retire or quit, and get another job, but jobs are not easy to get where we want to live plus the payscale would require an 60% pay cut ! <sigh> So, I was wondering...what does everyone else do for health insurance, how much is the monthly premium, who is your ins with, and how happy are you with it?