Thanks again I'll definitely follow all of your advice, although I won't be getting much help form Obamacare. I'm eligible for insurance through my husband's company; it's just that the premiums to add me would be $600/month, on top of what he pays just for his insurance... and that's for the rest of this year. It will be going up even more in January, and I barely even make $600/month after taxes... so Obamacare won't help me because I "can" get other insurance. Good times.