My wife and I are retired, my wife a retired school counselor, and we have the insurance available to retirees thru her state system. Best deal we could get. I retired first, and had insurance marketed by AARP, but quit that after my wife's system became available, and after AARP endorsed what they did, would do without before I go back there.
"To compel a man to subsidize with his taxes the propagation of ideas which he disbelieves and abhors is sinful and tyrannical."-- Thomas Jefferson