Medicaid is a program that is for people that are on fixed incomes, or no income at all to get usually state run healthcare. I live in PA and have what's known as an Access card, that card is my medicaid. You may want to call your local assistance office and see if you qualify. I have an inkling you may qualify. With your husbands needs and your needs, you should qualify. I know you most likely would in PA atleast. Sorry I couldn't be of much help, however Perna is really good with insurance questions; she helped me out while I was applying for benefits myself.