As some of you know, I retired a couple of years ago after 20 years of service, 17 (or so) of which were truly the greatest years of my life. My retirement benefits include "credits" based of years of service to cover my medical premiums. My family (for insurance purposes) last year included my wife, 21 year old daughter and yours truly. Last year's premium was about $7000 and was covered completely. This year my family (for insurance purposes) consists of my wife and myself. My daughter having graduated college is no longer covered. My premium is about $9000. That is, last year 3 people, $7000; this year 2 people, $9000. My benefit after 20 years of service does not completely cover the $9000 medical insurance premium. So, I opted out and took my wife's company's insurance. This being an election year I provide the following quote ... If you think health insurance is expensive now, wait until it's free!