We too have been affected by the rising health insurance premiums and max out of pocket limits going up.
In the fall of 2016, when I looked at plans on the market place, the best I could do for premiums + max OOP was $19,680/yr.
I just looked at plans again...the one I looked at in the fall is no longer available; they apparently pulled out of our market. Now the best I can find is $23,032/yr.
We are at the point now of realizing we are going to have to take the leap and hope we don't hit the max OOP regularly and also hope rates stop their ridiculous climb. If we don't take that chance, we may never retire early due to the goal posts continually being moved out due to healthcare.
Our contingency plan is accepting the fact that healthcare costs may require us to go back to work.
We've decided we don't want to "go home with an idol in our pocket" (Survivor reference). Serious health scare in our life has made us more willing to take risks....I think...hopefully we will stop the "OMY due to health insurance unknown" issue next year.