However, commissioners don't seem inclined to choose option one and do nothing.
They rightfully worry about certain categories of workers - emergency medical personnel and deputies, who tend to retire in their 50s because of the physically demanding nature of their work.
Should such employees feel forced to stay in difficult jobs until they qualify for Medicare at 65?
Fifty-somethings in the private sector might want to chime in at this point.
For example, early retirees of the Century Aluminum plant in Jackson County recently took up a collection and sent representatives to California to make a direct appeal to the company's stockholders.
The company has dropped health coverage for its retirees - not just future ones, but also those already out of the work force.
The change has helped the company's bottom line.
While that sounds cruel, healthy bottom lines keep companies providing jobs and, in this case, dealing with the volatility of the aluminum market.
Government also should worry about its bottom line.
Elected officials must answer to taxpayers, and like the Century retirees, many of them are dealing with their own health care crises.
Back to the concept of little changes.
Perhaps the county could find a middle ground - something other than elimination of retiree health coverage or continuation of coverage that is a great deal for retirees but not for taxpayers.
Here's an idea: Employee premiums, deductibles and co-pays could be set at higher rates.
Many law enforcement workers retire early and launch second careers. Some of the new jobs offer benefits; some don't.
Higher health insurance costs would force more careful planning and saving on the part of those who want to retire early. But there still would be an alternative to struggling with car wreck victims or chasing crooks into one's 60s.
Pay a little more. Work a little longer.
It has to happen in both the public and private sectors. Nothing else computes.
Friend is editor and publisher of the Daily Mail. She may be reached at 348-5124 or nan...@dailymail.com.