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To address your question, but not directly answer it...

I too have been concerned about early retirement largely because of a fear of rising health insurance costs. Health care is so precious, yet its future costs seem to be wildly unpredictable when compared with the future costs of food and shelter, which seem to rise at a somewhat predictable rate with which we can cope (crossing my fingers here).

But if I look back at people in the past, they didn't get anywhere near the excellent health care that we now have - and people in the future may very well look back at us and be astounded at how little we got by on. I sometimes think of dropping health care altogether, and living the life which people once did. I think that's a rather drastic move, but the alternative may be living my life bound entirely by my need to support any potential medical costs. I hope I can find a middle ground. And I hope you keep looking and find a more pleasant alternative to your current chosen option.

Now on to a more enjoyable topic: I love the idea of retiring to a boat. I have a couple of questions. How large a sailboat will you live on? And, how will you determine your state of residence? Will you be traveling all over the world, or confine yourselves to the coastal waters of the US?

Good luck to you!

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