Good afternoon Alice,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
Because you husband was self-employed and not an employee under an employer's Group Health Plan, then you should have signed up for Medicare Part B and D when you reached age 65. Because you did not do that, and while you can apply in the next open enrollment period, you will pay a 10% penalty for Part B for every year that you did not have part B----which based on your age will result in a penalty of 50% of your Part B premium. This is still probably a better deal than continuing to pay the $1900 per month for the coverage that you have. The Penalty on your Part D Medicare will be 15% per year, or in your case a total of 60% increase on your Part D premium. There is no Part C penalty.
The two penalties that you will have to pay will amount to about $80 per month for both Part A and Part D.
All of this is probably still a lot less per month than maintaining your present private coverage, and as your husband just turned 65, he will not have a penalty if he applied for Part A, B and D now within 3 months of his turning 65.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
I hope that I have been able to fully answer your question. As I am not an employee of JustAnswer, please be so kind as to rate my service to you. That is the only way I am compensated for assisting you. Thank you in advance.
I wish you and yours the best in 2016,