I'd seek advice before taking your W off your medical as you're still married and most likely any medical debt she might incur will be joint unless you D. Unless it's open enrollment most places won't let you remove your spouse with being D. But perhaps your place of employment is different and I missed that discussion upthread.

Me 57/H 58
M36 S 2.5yrs R 12/13

Let me give up the need to know why things happen as they do.
I will never know and constant wondering is constant suffering.
Caroline Myss