My only concern is my children. I too am weighing not participating. That said my employer has not yet announced their intentions.
That is like my needing to keep my wife covered, but as I said she is already on medicare due to her medical condition.
I’m 75 and on Medicare, I have 2 children under 26 and according to obama, my kids can stay on my insurance plan until they are 26. So my kids will be covered under medicare, isn’t that great.