I got married a month ago and was wondering how my spouse savings account will affect me. I know that I can't have more than $2000 in savings, but if he has more than that, will it cause me to be penalized by medicare. If so, how can you save any money. My husband is retired military, so I will have tri-care and medicare. We won't have private insurance in which it won't matter how much money we save. So I'm kinda stuck trying to figure out a way to save other than sticking money under the mattress.