Ina, I had a job with health insurance before moving back to MT, but DH insisted he wanted to move back here. Little did we know that 4 years later he would end up taking a mercy flight over 100 miles away and spending a week in the hospital. Since then, he was put on medicare. I have been without health insurance for 10 years. I finally was able to add more hours to my job at the library so now I get health insurance which doesn't kick in until Aug. 1. And it is amazingly very inexpensive for me, but not so for the city. With a lot of luck I can keep up my payment schedule for all my bills and I can be debt free in 7 years. That includes paying off my mortgage. When I look at it that way, it's not as overwhelming as looking at the total due. With my extra hours, I can start saving for trips once a year. Traveling with DH can be a hassle unless we drive because of the oxygen issue.