I assume from your statement that you are not getting insurance from an employer. That is you are paying directly to the insurance company. My assumption would be that you drop off the policy and your wife continues at a reduced premium that you keep paying.
Going on Social Security does not mean you go on medicare. You had to sign up for part A at 65. Medicare part B,C and D do not start until you are 66.
Your wife will need to purchase medical insurance from the private sector until she is 66.
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