My husband retired last year he is 56. He is covered under his pension for insurance, but I am not. I signed up with Samaritan Ministries. It is a Christian Health Sharing organization. It is very affordable and I have already used it once and it is wonderful. It is based on the principal of Christians helping fellow Christians. I highly recommend it if you decide on looking into healthcare options. Plus you get encouraging notes from other Christians. It has been a wonderful experience for me. God bless your family.