Average employee/employer premium cost rose from $6250 in year 2000 to $20000 this year. This has rapidly outpaced actual monetary inflation by over 100% ($6250 in 2000 is worth $9151 today). The employer has been shouldering a HUGE chunk of health care cost that is hidden away from us.
Assuming costs stay stagnant (which is unlikely), if you retire now, you would have to budget for $20000 in medical premium costs each year, which is not even including out of pocket or deductible costs, to achieve the same quality of care provided by your previous employer.
Is that an accurate assessment? People who have retired early with a family to provide health insurance for, what has your true cost been each year?