Retired a year ago at 61. We flopped over to Tricare from the Fedex buy-up plan. All the doctors and healthcare folks we interact with take it no problem. We were paying around $500 a month to maintain the buy-up plan for all those years and I'm thinking we would have done just fine with Tricare. I've got a United friend that has been using Tricare for years and just declining the United health insurance and he and his family are doing fine. When you retire pre 65 the company will give you around $4,800 in a HSA for you and your spouse in lieu of the company subsidized health plan. I can tell you between the the HSA and Tricare we are doing well. Something you may think about.