Healthcare costs are probably not top-of-mind when thirty, forty and fifty-somethings dream of early retirement. However, it should be for anyone who has made it his or her goal to achieve financial independence. That is the day work becomes an option. The earlier in life financial independence is reached, the more hurdles one could face in order to maintain financial freedom. Hurdles could include things like healthcare costs, boomerang children, college costs, inflation, longevity or even caring for aging parents.