Yes, both of us have military retirements.

We have Tricare. If you're thinking that Tricare's really cheap, yes it is. Right now.
But copays went from $12 (IIRC) last year to $30 this year for us.
And when one turns 65, they need to pay Medicare Part B in order to keep Tricare. Check out Medicare Part B prices. If you earn $170K-$214K/yr joint in retirement (the very lowest we could earn with 2 mil retirements + 2 social security checks), the monthly Part B premium is $187.50/person/month. That alone is $4500/yr for us. https://www.medicare.gov/your-medica...t-b-costs.html

And then there's nursing home costs (if needed). Two or three years in a nursing home will wipe out a $200K RHA VEBA account.

So if you're thinking that medical costs won't spike for you in retirement, I suggest you crunch the Part B numbers and then rethink how much Tricare will cost annually.