Do you every go outside the cave? Obamacare has no direct or indirect impact on you over 65 retired people.

Medicare is paid by all people on Social Security and over 65. When you speak of supplemental insurance, there are many choices to be made depending on your perceived need and ability to pay. It sounds like you're staying with the United policy that brings you up to the protection of the active employee. If anything, it is the active employees subsidizing you a retiree.

You really need to talk to other retirees or maybe a R&I guy that will give you the time. There is a wealth of knowledge/experiences to be had you just need to ask the right people. How far past 65 are you?