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<blockquote data-quote="beentheredonethat" data-source="post: 1077885" data-attributes="member: 4886">Keep in mind, this is an insurance plan for &quot;RETIREES&quot; , I think if you did a count, the number of retirees that do have and will have children on their insurance is relatively small.&nbsp; I would also bet similar to the original poster indicated for his case.&nbsp; Children who are on the plan will have a higher proportion then the regular population with extra health care needs.&nbsp;&nbsp; Cutting some physicals will reduce cost, I agree. However, that is relatively minor in my opinion compared to the big ticket items.&nbsp; Many, many many people who are in their 50&#039;s and 60&#039;s start visiting the Dr a lot more and start needing more medical care due to cancer, diabetes, autoimmune diseases etc.&nbsp; THose are big ticket medical procedures. Personally, I hope long term the union does negotiate something better then what the OP reported he will have to pay.&nbsp;&nbsp; I don&#039;t see being able to retire at 55 (with 35 years in)&nbsp; I see the cost of health care continually increasing and I may not be able to afford to retire until 60 at the minimum due to the costs of health insurance.</blockquote>

[QUOTE="beentheredonethat, post: 1077885, member: 4886"] Keep in mind, this is an insurance plan for "RETIREES" , I think if you did a count, the number of retirees that do have and will have children on their insurance is relatively small. I would also bet similar to the original poster indicated for his case. Children who are on the plan will have a higher proportion then the regular population with extra health care needs. Cutting some physicals will reduce cost, I agree. However, that is relatively minor in my opinion compared to the big ticket items. Many, many many people who are in their 50's and 60's start visiting the Dr a lot more and start needing more medical care due to cancer, diabetes, autoimmune diseases etc. THose are big ticket medical procedures. Personally, I hope long term the union does negotiate something better then what the OP reported he will have to pay. I don't see being able to retire at 55 (with 35 years in) I see the cost of health care continually increasing and I may not be able to afford to retire until 60 at the minimum due to the costs of health insurance. [/QUOTE]

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