[pyotr]

Ima,
You are sitting on an absolute Time Bomb. You're playing Russian Roulette with your financial life, with half the chambers loaded with nuclear warheads.
Given your substantial assets and no health insurance, if you get in a car accident and end up in an ICU for a few months, your entire life savings could be liquidated. Same if you come down with influenza complicated by pneumonia and ARDS landing you in an ICU. Or say you suffered a massive stroke, or a heart attack etc. Not only that, if you end up disabled, you and your husband will be living like paupers for the rest of your life.

With the assets that you have, you need health insurance - I'd look up BCBS in your state and purchase an individual plan. Even if it costs you $1000/month, it'll be worth it. Think about it, it's just not worth the risk to save ~$12,000/year?

Another thing you could consider would be to work some minimal stress menial job just for the health insurance benefits - say as a teacher in school, or as an office personnel in your local hospital etc. I know many people who work such jobs just for the health insurance.

I, like stevie above am a physician, and have personally seen too many sob stories which began happily like yours.