To save money, Hartford, CT, and its schools have decided to offer their nearly 3,000 retirees and retiree dependents a choice: stay with their current health plan but pay higher rates, or switch to a private, Medicare-affiliated program that has lower premiums, but potentially higher prescription drug costs. They could also leave the city's plans entirely. The move has angered the retirees and their families, who are now facing health and budget-tightening decisions many were not prepared to make.