I have never had to think about it. When I was working as a nurse my employer had excellent insurance. My husband still works there so I still have it. But he willl be retiring in about 2 1/2 years. we can keep that insurance as a retiree but when the info came in the mail it said retiree/COBRA!!!!!! I had wondered why it was going to be over $1,000 a month. It was going to take my entire pension check just to keep us in insurance. So I am going to start looking to get on a different plan now. So, what kinds of insurance do you guys have. Will I have a problem with MS being a preexisting condition and what kind of costs am I looking at?