I am fortunate to have retiree medical and dental benefits from my former employer. The price tag is pretty steep at $994 per month to cover the two of us, but coverage is good (e.g. PPO plan that lets us treat most anywhere, $600 deductible per person, $3000 out of pocket max per person, preventative care fully covered). I was waiting anxiously to see how much premiums would be going up in 2019, and they are actually going down $75. per month. Talk about an unexpected pleasure. Is anyone else seeing something similar?