Gee - it all sounds so easy. My wife & I do currently have health insurance through my employer. My wife turns 65 in another 3.5 years approx., so I intend to keep working for at least another 3.5 years. I was told by several friends that I need to sign-up regardless if I need the insurance or not, or else there will be some pretty significant cost penalties. I'm going to seek out an insurance broker who can try to simplify all of this & explain my options. Thanks for all your advice so far. It's still as clear as mud to me.