I retired from state government (Kansas) in 2019. My state laws say that if an employee is drawing KPERS (pension) then they must offer me the same insurance until I qualified for Medicare, but they only offered it, there were no subsidies, which were pretty substantial. I had a high deductible plan for only me. My part of the premium was about $75 per month. I figured that the devil you know is better than the devil you don’t know, so I kept that insurance and was paying around $800 per month. I went on Medicare in late 2022. After a couple of years I looked into insurance from the ACA marketplace. A navigator told me that if I was happy with what I had, keep it because while there might be cheaper alternatives, they might not provide equal coverage.
Insurance outside a group plan is going to be pretty expensive. And insurance was the one thing that could have altered my retirement plans. I’m a numbers geek so I set up a spreadsheet wtih my income sources and monthly expenses, including the unsubsidized cost of insurance. It showed I could do it so I help my breath and took that leap. For me, I never regretted a minute of it. You might check with your state to see if they will allow your family to stay on the group plan after you are on Medicare.