As DH and I approach ER (planned date for me is 3/2014), it is starting to become clear to me that DH actually likes working and isn't planning to retire. I, on the other hand, am more than ready. We are a long way from Medicare (I'm 40, he's 41), and so my plan had been to get health insurance for both of us before Oct, when the new plans will get a lot more expensive (I am guessing), due to the changes in the healthcare law that will be taking effect next year. We applied, and got back an offer to insure us both for around $300/month. That's pretty reasonable, but I am starting to have second thoughts. DH is currently self-employed, and covered on my employee policy. But it looks really likely that he will be taking a normal j*b, which will have good health benefits. If he does that, we'd be wasting a bunch of money for who knows how long on extra premiums by getting our own insurance too. On the other hand, if he doesn't like the job and quits then we'd be glad for the cheap policy -- providing that the policy still exists when we need it, and we are not somehow forced into the expensive policies, despite this planning. There's no way to know for sure, but my guess is that he will keep this job for at least 2 years. I really don't know what is the best course of action. So, please, what would you do? Thanks!