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Message: <blockquote data-quote="falcon back" data-source="post: 5121306" data-attributes="member: 81520"><p>You have to start the insurance actions the day you retire.  You can't start Cobra until you are actually off the payroll and then it's the same when you go on Retiree insurance.  Cobra for 18 months isn't a bad deal.  I had some friends buy insurance from Farm Bureau and have been happy with it.   I am gonna look into it after the 1st of the year.  It's way cheaper than Retiree, actually cheaper than Cobra.  Deductibles are very reasonable but Max Out of Pocket is a little high and there are some restrictions for pre-existing conditions.  I hate watching my RHPA money dwindle down so fast but fortunately I have the funds in place to take over when it runs out.  Good luck and enjoy your retirement.  It is awesome knowing you don't have to worry about anything related to packages again.</p></blockquote><p></p>