That's the difference. I just retired this year and am not old enough to qualify for medicare yet (onky 54). I just find it odd that a large group such as TRS can't negotiate a better insurance plan for its members, where as small ISD can (and for less). Not only are my deductibles more, but so are my premiums ($200 for TRS; $145 the last year at my ISD, and it's still the same this year).