Expat Health Insurance
Cigna Global Health Insurance.
Medical insurance specifically designed for expats. With Cigna, you won't have to rely on foreign public health care systems, which may not meet your needs. Cigna allows you to speak to a doctor on demand, for consultations or instant advice, wherever you are in the world. They also offer full cancer care across all levels of cover, and settle the cost of treatments directly with the provider.
Moving Internationally?
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If your wife is a Ghanaian citizen you should be able to move to Ghana with her on a dependency visa. I suggest you contact the Ghanaian embassy in the states (www.ghanaembassy.org) and find out what documentation you would require. You might also ask if they can recommend a travel consultant with whom you could discuss your options.
Are you wanting to work for a while first before you retire? If so have a look at the Working in Ghana page as a start.
If you are an American citizen, you should have no trouble emigrating to Ghana especially if you can show that you have enough assets/funds that you will not be a burden on the state. Your family will have a much harder time emigrating from Ghana to the US. If you're looking for easy, it sounds to me like moving to Ghana is your best option.
Have a read through these interviews with expats in Ghana to get an idea of what life would be like in Ghana.