I am covered only through his BCBS. Being 59 with pre-existing conditions (sleep apnea, anxiety, depression, diabetes II, arthritis, and titanium in neck/spine from herniated discs due to arthritis), and recent healthcare changes, must I buy my own insurance, will I be eligible and able to afford it? I am afraid. What if husband with brain tumor predeceases me? Any advice will be greatly appreciated. 90 year old Mom is starting to have health and memory problems so I see no way for me to obtain full time job with or without benefits when I may be caregiver for both. What should I do? Do I have choices? We have mortgage, 8 acres, and $33,000+ in investments; not wealthy!