My retiree insurance was cancelled when the Affordable Care Act was signed into law. I shopped around, did the math and found that it would be cheaper to self pay for dental and optical than to purchase insurance. I only get dental cleanings and no major work thank goodness and only need glasses every 2 years. I just save the money for those things. Many times if you self pay and ask, the provider will offer a discount. I would be careful about changing insurance companies right now. Have you tried getting a quote from the Affordable Health Care exchange for your state? Might help you make the decision.