Well Victor, I have to say, coming from a home who lived off of the public without warrant at times, I would have to say stick with the insurance. I know what you mean and understand about the paying for insurance, however my parents "played" the system for their selfish gain. I know that you wouldn't be doing that, but for everyone who is legit there is probably 20 times more not legit. (I don't know the # for sure)

Again, this is only my point of view and I am probably biased b/c of the intentional lying on my parents part.

I would like to hear more views as well.

Take care Victor...

Missy