My husband is 20 years older than I am and we have no plans to divorce (have been together for over 30 years). We both have serious health problems.
We have no debt however which is good.
As for the house, it has been a joint effort for the most part.
The person that told me to do this has a lot of debt and refinanced her house during the peak of the housing bubble. She owes more on her house than it is worth. I don't feel at all sorry for her as she and her husband are bringing in three incomes. 
These are two entirely different situations. I read that that first $250,000.00 plus 1/2 the cost of the house is written off in the case of necessity to pay taxes at some point in time. California is a community property state but when I checked with the office that handles deeds/titles, they saw no reason to do this whatsoever. 
Worst case scenario would be that one of us would pass on and even if some sort of taxes were involved, it wouldn't be a lot being we have a very low income.
Thanks again and I'll check into this matter more.
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