Undecided about health insurance

My husband and I have both been on market place insurance for years. He turns 65 at the end of year so he’ll be eligible for Medicare.

I recently turned 60 so I was finally eligible for my pension but I’m so worried about healthcare at the moment. I’m being offered healthcare through my teacher retirement. I have till end of this month to decide. It’s $200 a month but nothing is covered (not even reg Dr visits or prescriptions until $1700 deductible has been met) so I figure $1700 divided by 12 is $142 extra a month so that brings health spending about $342 a month making total for year $4100. So in other words $4100 need to be spent before anything is covered and so after that, 80% will be covered and i will have 20% coinsurance with a maximum of $5650 out of pocket. My retirement income is $25,000 per year so if I choose this then my income will be reduced to less than $21,000 a year especially if I enroll in dental and eye care insurance. I should have planned better but I’m 60 now and even though I do have a little bit of savings , I would hate to have to take out each month just to cover my health insurance. I would probably finish my savings in 6-7 years if I do. I’m thinking of continuing with the market place because I pay monthly about the same $200 a month but I can see my doctor for $50 copay or $100 for specialist.

I don’t have diabetes but I do have inflammatory arthritis and a couple of herniated discs that I get injections for. My family history (parents) do have heart problems so I am afraid of that.

My husband’s SS benefit/income is $21,000 a year and he does have diabetes.