Kevin when I retired from teaching I had to pay the whole tab for insurance until I turned 65 last November. I know where you're coming from. I paid 2190 a month for over two years. I made too much from my pension and social security for much of a reduction, so I stayed on the schools insurance paid the 2190 a month. Good luck on your jointer quest. You can setup a router table to act like a jointer by offsetting the outfeed side fence.