My company doesn't offer health insurance, once I stop working for them. I am 46yrs old, and I would like to retire at 55. Does it make sense to get my own HMO insurance, before my wife or I come down with a preexisting condition, which will be expensive to get, or not available when I retire in 9 yrs?
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Get it now. Even a major medical policy that provides hospital coverage is better than nothing. The cost is less for a man than a woman, primarily because of plumbing differences. Your wife must specify that she doesn't need pregnancy coverage to cut out a huge expense.
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