Retirement two-step

So, I recently received retirement estimates from both TRS and ERS, and learned some very important things. First, TRS gives me more time credit than ERS does, which increases the monthly annuity a fair amount. Second, I have to work another year for the school district in order to be eligible for health insurance. I didn't realize the years I bought don't count for insurance purposes. It's a good thing I had decided to continue working anyway. Granted, I may retire from ERS instead, but I want the TRS option to be there in case it is better. And there was something else I learned, but now I can't remember what it was! This retirement thing is so complicated!