Hi, RW. This is one of the most highly discussed topics on the board. You might browse the Health and Early Retirement forum, or do a search on "health insurance" by clicking on the Search button.
Doubt you'll find a consensus, other than that of frustration for those who FIRE before age 65.
I would have had to stay 5 more years - to get bennies. I jumped ship and went w/ $5000 deductible insurance w/ Aetna - few worries....lots of freedom!
Skiied today in 60 degree weather...8)
No regrets......yet. Who knows what insurance will do next?