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Maybe my concern was too high but health insurance was the main reason I never chased early retirement and also avoided starting my own company. I had some friends that started their own companies but they were able to use their spouses health insurance.

Fortunately I will have federal health insurance and I can get that at 60 (and earlier depending on service time/early retirement, etc. which doesn't apply in my case).

When I was contemplating retiring over the last year, especially once I got within the 18 month COBRA window, I decided not to partly because of the extra insurance premiums I would have had to pay (~$14K for the 2 of us).
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