think again!
First of all, you can buy either a ham radio or SSB without a license, and can listen to either. An SSB requires a license, just like your VHF didm to transmit. I am not sure if it is required if you stay in the US, but it certainly is if you leave US waters. There is no test for this license. If you transmit, you are required to identify yourself, including your call sign, so will need this license. The same applies for Ham transmissions. Ham radio is an addiction (like sailing), and the Ham community has lots of swap meets where older rigs can be purchased inexpensively. My first Ham radio was an old Atlas that cost $150. It couldn't do everything that my current radio does, but it worked. By the way, be careful about modifying a ham radio to do SSB. An SSB is better at holding its frequency, and the difference can be noticed by Those Whose Business it is to Notice. They fine people, on occasion, too. If you do get "into" your HF radio, you may well find that you use it way more than you thought. Many wind up considering a near essential for information, safety, gossip, weather,email and phone patches.