Wife not old enough for Medicare.
First: Insurance is suffering from "shrinkage" just as much as potato chips. Not near as much in the bag.
Second: The way I see it, I can purchase an almost decent policy for my wife (worse coverage than in the past) OR.... I could make payments on a brand new, high-end Bentley (including insurance) for the same money.
I don't need a Bentley. Yet?
Being healthy, no insurance, is the best answer. Yet?
This is ridiculous. So much for retirement. Social Security doesn't even cover the cost of healthcare. Gees.
Look into a Health Share Plan (HSA), it's a ministry-based group where members share each other's medical bills.