My wife is 5 years younger than I am.
When I retire, the scenario changes. I could keep my work insurance under COBRA, but that is very expensive.
But I am also in the State Retirement System. In fact, I am drawing a pension since 2003 from them right now (35 years in on that). Their insurance is Blue Cross/Blue Shield. I could have elected to go with that rather than my current group policy with my present job. When I analyzed it, my group plan was a winner in every way.
Some of the irritants for me were:
1) Most of my doctors were NOT in-network for that BC/BS Plan.
2) They made a big deal about lab tests being free if you used their contracted lab (QUEST). But at that time, the nearest such lab was 30 miles away. I could just see me being sick and having to decide whether or not to go there or pay a hefty amount at my local hospital lab (they have a satellite lab that's literally a 5-minute walk from my house).
Subsequent to my decision, a QUEST Lab opened that's a 4-minute walk from my house, and I think more doctors are now in-network for that BC/BS plan.
When I actually do retire, MediCare would be primary and this BC/BS would be supplementary. I guess at that point, I'll revisit the subject.
I really have no desire to retire. Quite the contrary. I am blessed in that I totally love my work. I get up and look forward to going to work. Unfortunately, these health issues could skuttle my plans to work, but I hope not. My best friend was a fellow teacher (he taught chemistry and I taught calculus, so we had a lot in common -- of course we know that math is more important -- but I digress!! <g>).
He got MS and had to retire. He is now confined to a wheelchair. That was truly tragic as he also loved his job and hated the fact that he had to quit. He often urges me not to retire if at all possible (and he gets no argument from me). As far as I'm concerned, it's not work when you enjoy it!!