Jun 12, 2016, 11:48 AM
As you say, it's unlikely that your husband could get medical insurance here, at his age.
Given that, it is important that you have enough cash readily available to pay for an emergency -- hospitals typically accept credit cards for the hospital stay, but doctors generally are paid in cash. An example of costs for hip replacement after a fall: hospital stay and surgery -- 60,000 pesos (can be paid with credit card -- if NOB credit card, look for one that does not have a foreign transaction fee), surgeon and follow up doctor costs 20,000 pesos (cash), cost of the artificial hip (cash required) 30,000 pesos. The hospital stay cost is on the high end. Keep in mind that many private practice doctors practice at several hospitals, and some are much more economical than others, so be sure and ask.
I recommend that one of the first things you do is find a doctor that you like and establish a relationship -- when an emergency happens, you want someone that you can call immediately for advice and referrals.
Finally -- although your husband could, if he is a permanent resident, get IMSS or Seguro Popular coverage, the coverage is limited (in some cases), and the quality of care of uneven (in many cases, necessary equipment is not available, etc.). Also, the public health system in Mexico is VERY overextended, and as foreigners with other options, you probably wouldn't want to contribute to making the problem worse.