I remember as I approached retirement age I got a letter from my insurance company stating that if I did not get Medicare that the insurance company would drop me like a hot potato.
We're spending around $9,000 less per year, and our current setup covers everything with no deductibles or copays.
We both had cataract surgeries last fall, and I had my gallbladder blow out; as well she overnighted in the hospital after an angioplasty -- zero out of pocket other than monthly Blue Shield Plan F dues.