We are also not yet retired but have to handle our own health insurance as DH is self-employed and we still have one college age kid on the parental dole. We also have an HSA with a deductible of around $5,000 and pay close to $1,000 a month---about half is for the insurance and the other half goes into the HSA. DH has high cholesterol and is rated for the higher premium. We're all in good health otherwise. The tax breaks for the self-employed health insurance and the HSA contribution are nice, so Uncle Sam helps us out on the monthly cost.
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