Me too, yet I still spend a few grand on copays, premiums and prescriptions a year for me and the fam that are still on the plan. I doubt that will get smaller as time goes on. Don't forget also, that eventually you have to go on medicare as well. The only aspect I don't care for is the fact that I cannot choose how it it is invested, but the fact that I'm not paying 35% on that money off the bat outweighs that decision for me.