Consider shopping for private insurance instead and look at the whole package. That 70% subsidy can be very attractive, but perhaps insurance exchanges will give you more choices.As to dental insurance, once you get on Medicare, you will have no trouble finding dental coverage for $20 to $30/mo.Most retiree insurance is a one time option. Once you decline it it is no longer available. But you can also carry it for a while and switch later.Be aware that health insurance premiums rise with age. When I retired at age 53, my employer offered inexpensive group health insurance. The bump at age 60 was quite sharp. And eventually they capped the subsidy which made insurance very expensive. But any use of the insurance made you uninsurable elsewhere. So you could not shop around for lower cost insurance. The change in preexisting conditions rules should give you more options if circumstances change.
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