My 2014 premiums will be 12% of my gross income and 22.6% of my 2013 adjusted.
I am pretty sure it is gross. Assuming they will let you switch you would need to make sure you're getting the coverage you really need. Besides access to your doctors, copays, and deductibles there is the issue of out of network coverage. If you like to travel as a retiree it might be beneficial to have that coverage.
Sounds to me like you will have to sign on to find out what the actual coverage is. Although, if you know who the insurance carriers are in you area you should be able to do a web search for the unsubsidized coverage details to find out what is going on..