Help me convince my wife...

But lately the BS bucket is filling up for her, but she is paralyzed by fears.

Fear that health insurance will be unattainable...
OP, your profile says you live in Missouri. You may interested in this post on another thread.

It states with the withdrawal of BCBS of Kansas City from the 2018 individual market, 25 counties in western MO will be without individual market plans unless another insurer steps in.
 
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