 [ Symptoms ] i am a married home owner my wife has kaiser health insurance from her job  i do not have medical coverage for myself due to previously being unemployed and the high premium if added to my wife is insurance i am 62 years old and my part time job does not offer insurance our previous year is income was 61k with estimated income for 2013 to be 65k we both work but even our assets are under water we are just making ends meet what are my options under the new health care law [ Disease ] unfortunately you are among a group of people for whom the law may not be of much help at the income level you mention you would not be eligible for a subsidy even if your income did qualify you the fact that your wife is employer offers you insurance    even if you find it unaffordable    means you would not qualify due to a certain provision of the law the one positive here is that because of the law you are guaranteed an insurance policy i would suggest you work with an insurance agent who can help you find a health plan that may be affordable to you you can search your options online at ehealthinsurance com you can also call the 800 number on the website to work with a licensed insurance agent an agent in your area can also be found at the national association of health underwriters nahu org