Dude, Tricare is the best you can do for cost and care options. Stop using military docs if you don't like them. Tricare standard is super cheap if you have the option and you can go where you want. TRS adds an embarrassingly small monthly premium when compared to employer healtcare plans and you get to keep using the docs you want...not military. When looking at delta plans vs Tricare I save about $12,000-$15,000 per year for my family on Tricare. No brainer