I have similar situation with a spouse with major medical expenses (she has to have her battery replaced every so many years, not to mention the broken lead wires she has experienced multiple times, etc along with other concerns). She is older than I but I have always carried the benefits, and made the lion's share of the $. I've always prioritized benefits, etc as she has had the device and heart issues since her very early 30's. I'm not looking forward to medicare coverage, or something else before that.Biggest unknown is my wife has major medical expenses due to a auto immune disease that I can't predict very well. Fine while I have HSA. She maxes out her deductible by March on medications alone.
I wanted to go at 59 1/2 but will not be able to because of that. At first I was like I would have to work until I am 69 just to get her to medicare, but a friend of mine said put her on Obamacare. If that is viable, I will. So I may change and plan to 65 but hope for 62 if that works out.