you need to look at a combination of all costs -- premiums co-pays co-insurance and deductibles. take a look at the specific services you most use and need and how they're covered. look to see that the medications you take are covered. and before you drop your employer's retiree plan you may want to talk to a professional who can help you evaluate your options in detail. it doesn't cost you anything to work with an agent. look for one near you at nahu. org.
what should determine whether i leave my current retirement plan for one the company offers through the exchange? . if i leave the company plan i am not able to return to it nor will the company offer the exchange at a later date.