for those either planning or retired early -- how are you addressing healthcare coverage (other than if you're a vet)?

You might also want to post your question on TMF's Insurance - Life, Car, Home,etc. discussion board:
http://boards.fool.com/Messages.asp?bid=100156

TriCare (the military's HMO-like system) is widely acknowledged as being cheap, but it's also widely acknowledged as being a collection of poor system. If you're interested, you can get more information from this link:
http://www.tricare.osd.mil/Factsheets/viewfactsheet.cfm?id=175

The folks I know who are not confident that TriCare can meet their needs are looking at Blue Cross and Blue Shield. The problem with Blue Cross and Blue Shield is this organization is a trade association of participating companies. The menu of plans available to you depends on the companies doing business in your geographic area. You can get more information from this link:
http://www.bcbs.com/

David Jacobs
TMFDj111