Can I answer this? Yes, I do.
When you get older, it costs a lot more for drugs. I've currently been put on a drug that I have to pay for, which is $5,000 a year.
One of the biggest things I miss in not working is the perk that your travel medical is covered forevermore. We do not have that perk. I consider it incredible when you do. We no longer can travel. My insurance to travel now is currently $2,000 for the year. My husband is 84, and his is more. Hence, we no longer can travel because of this, but if we had this paid for the rest of our lives.... We have friends who are practically at death's door, and they are able to go to California, to Mexico, to Europe. We cannot.