As far as what is outside your Ford Pension, be it Ford Stock or Willie's Wooden Widget Works stock, is neither here nor there, we all choose to invest in what we believe will bring us income, has no bearing on what you get from Ford now, other than you made good enough money while you were working to invest. We all hope to have the same opportunity.
Unless you paid out your pension at retirement, you "pension" IS a legacy cost, seeing that the pension "fund" is only funded at a fraction of its actual long-term obligation. Workers today create the products which in turn fund the pension you now enjoy. Jsst as when you worked you paid for those before you. We only hope that there will be a Ford to fund my retirement.
As far as your Medicare is concerned (in the US), I cannot coment, as in Canada, "Medicare" is part of our health system from start to end. Our benefits coverage consist of drug, dental, vision, etc. not primary health costs.