Something else to watch for is that if you provide coverage for your daughter when she is not a tax dependent**, the value of the coverage will be considered taxable income to you, and if you are deducting an employee share of premiums from your pension, the part that covers her won't be pre-tax anymore, it will be after tax. This is known as "imputed income."
**You can't get tax-free health insurance for someone who is not a spouse or tax dependent, even if coverage is allowed under the ACA. For example, your daughter can't be your dependent when she is age 24 or 25 years old if she earns more than $4050, even though the ACA allows you to carry her on your insurance. Suppose your employer is paying $1000 per month for single coverage or $1500 per month for self+daughter insurance (you normally never see this.) When your daughter is no longer a tax dependent, that $500 per month premium paid on her behalf will be counted as taxable income to you.
But that may be a few years down the road.
Also, once you enroll in Medicare, you can't contribute to an HSA. That may be a few years farther down the road.
