We wanted to retire in ~8 years at age 46 to do some things that are easier before you are in your 60s (sailing around the world for one). Health insurance is a big worry for me then...I have no idea how to budget for it.
Do you think the changes going through Congress now will have a huge effect? I am on the fence about them...right now I know it will mean more taxes or some downside for us since we are moderately high earners with the "Cadillac Plan" they want to tax. But on the other hand I sympathize with people like the OP who are paying such high premiums. I also am a bit self serving since I would like to take advantage of these hopefully lower rates in a few years when/if we get to retire and lose our company plan. (lets just hope they base things on income and not assets
