For 2 years now, my arms, legs & hips ache all the time & its much worse in the am. what could be going on? i'm 45 & otherwise mostly healthy.

Maybe fibromyalgia?: "fibromyalgia" is all-over muscle aching, stiffness, and soreness, often worse in the mornings and late in the day. There are several inflammatory illnesses it could be, especially if you have pain/stiffness/swelling in your joints. See a rheumatologist for proper diagnosis. Treatment for fibromyalgia is to become fit, flexible, and strong, but avoid excessive exercise that could cause a flare-up.