That's why a person over 50 (40 in some fields) can no longer get W-2 work at a 'real" job. The solution is to contract. This relieves the client of liability for health insurance. You may also have to carry your own workman's comp and E&O, depending on the field.
You guys cheer up. If things get too bad we can always be greeters at Walmart:')
Nothing like being your own boss.