Hey, I fear I kind of hijacked this thread with my end-of-life rant. I went back to the OP and ran my numbers on the table for two empty-nesters about 60 with an income around 40K, and came away with a net monthly premium of $282. That would allow me to retire early, which I'd love to do but COULDN'T do without health insurance.

My company, in turn, could retire my prime-earnings paycheck for a younger, cheaper new hire. And a younger worker could get a good-paying job.

I suspect there are a lot of people in my shoes. If we can get out of the way for a new generation of workers, it could stimulate business and the economy.