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Phil I don't have any data and you undoubtedly have considered this, but just incase -

#1 What assurance do you have you will have access to your BCBS in future years? A lot of retirees from General Motors, Delta and even companies that did not go through bankruptcy have had their medical insurance eliminated.

#2 Do you have assurance your BCBS plan will not have significant changes in terms of premiums, deductibles and co-pays?

#3 In Georgia at least several insurance companies are no longer offering medical converge for people over age 65. BCBS is a large insurer, but they dropped any coverage for folks over age 64 within the last couple of years. So what happens if BCBS stops sale in your location?

#4 Most people cannot pay the remaining 20% of medical cost after Medicare Part-B coverage. If you do not sign up for Part-B and a Supplement when you turn 65, you are not guaranteed the option of getting a Supplement should your health change. There is an exception if you are covered by a Spouse's insurance and if that plan meets and exceeds Medicare Part-B coverage. (This needs be be in writing. I have been there and done that.)

Here is an information set that is long, but pretty complete.
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