'Just keep working' isn't a just retirement solution

[soldierant]

12. I'm fortunate also

and I did try to plan, but it wasn't any planning of mine that made it possible. It was that about ten years after I retired from one job (and was working another), the first employer I had retired from decided to replace retiree suppplemental medical insurance with an HRA. (similar to FSA'a and HSAs but the"R" stande for "retiree," which means I put nothing in, the former employer adds yearly. Also what year the expense is in does not matter, and everything not spent is carried forward.)

And it does say a lot about the way paying for health care is done i America that one of the biggest insurance companies in America finds it cost effective to give retirees HRAs as opposed to providing supplemental insurance, don't you think?