I will be in need of some sort of health care coverage soon as I will be retiring on 04/01/15 and will choose not to continue with cobra if possible (to expensive). I will be 52, am married, wife is 52, she does not work and has no income. We are both in excellent health and non-smokers / drinkers. We take no medicine and are looking for a reasonable rate insurance. Is Obamacare an option for us?