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If it makes a difference, my employer is the federal government.

My understanding is that even if the rules change in the future, tradition holds that existing employees are grandfathered under current rules.

Of course, ObamaCare may factor in here, but realize that is a political issue too.

If I understand the comments here so far, employer provided healthcare retirement is good, but the other options available seem to work as well (as long as you are prepared to handle price increases)?

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