my husband is of retirement age but, won't retire because I will have no health insurance if he does.?

If you or your husband are age 50 or more you can join AARP whether you are retired or not. Among other things they have group health coverage. For ages 50-64 you can get their plan which is underwritten by Aetna. When you become of Medicare age, they have excellent Medicare supplement plans which are underwritten by United Healthcare Insurance Company. The organization offers lots of discounts and perks on other items. (Hint: they won't tell you this but you'd only need to become an AARP member to obtain the group coverage BUT as long as you keep the premiums up to date and make no changes in your plan you don't have to continue membership - that's Federal law). Visit www.aarp.org for more details.

You'd have to check with the state regarding Medicaid or Family Health Plus eligiblity.

I hope this helps you out!

For health insurance, you have 3 options:

1. your husband keeps working and retires once you are on Medicare (his current plan)

2. your husband retires and you cobra his current benefits until you get on Medicare (could easily cost $800 a month to do since you would pay the full cost of the insurance plan)

3. your husband retires and you go to work full time and provide your own employer sponsored health benefits.

It is expensive to buy insurance if you are in your 60s even with no medical problems. If he is of retirement age, which is 66, why cant he get Medicare at age 65? That would be for him alone. If you have current insurance you would have to continue that. Medicaid requires a very small income per month, around $1200 for a married couple and assets of under $3000, not counting house and car.

What about COBRA from his employer?

To get medicaid, your total assets must be extremely low, unless you are pregnant.

To get family health plus, you may need to have children under 19.

So, I am guessing no.

Health insurance prices are based on where you live.

If you cannot afford what health insurance costs where you live, then you can move to somewhere else where it costs less. That is how you can get it for less than what it costs where you live now.

If he doesn't take COBRA, then you don't get COBRA. The employee needs to be on the coverage.

If you're healthy, then you just buy coverage on your own. If not, then he keeps working.