pixielouwho - my 60+ y.o. roommate lives like that, still officially married to his separated wife and on her (very generous) health insurance - she is a gov't employee. He does a whole lot for her, though, so it is not one-sided generosity - she and the children live in their house and he rents together with me and he helps out. But he also needs insurance, suffering from major depression and receiving medical treatments and TMS. The thing about them is it is is clear that his wife won't remarry - she is a hermit who suffers from a clutterer's disease and she does not have a social life; age, too. Your official husband might be well-intentioned and sincere now, but 5 years down the line his circumstances may change. Looking at the worst case scenario will be needed at some point - just not right now because he is not threatening an instant divorce.