Does you wife’s insurance continue after the age of 65? The cost of medicare part A and B being around 300 dollars isn’t cheap given the average quality of coverage. I don’t know what type of physical condition you are in now, but one major medical issue can be terribly expensive. Currently open heart surgery (the surgery and hospitalization alone) is roughly $140,000. I think zk makes an important point when thinking closely about not giving up your wife’s health insurnace benefit. I’ll tell you, when an unexpected medical issue comes up, it sure is nice to have good insurance and not to have to worry about paying the medical bills. I’m only 35 years old, young, healthy, exercised and ate right, and had open heart surgery 5 months ago. A sudden medical illness can show up at anytime without warning. After my experience, I will never take good health for granted and would ant the best coverage I can have. Just my two cents…