Vic,

If I were in this situation, I think I'd have to go on state insurance. I think IL has a BC/BS plan for those considered "uninsurable" because of certain progressive diseases, including MS.

Right now, our medical expenses are about 15k per year and we can handle that. We haven't had any hospitalizations in awhile... Knock on wood. We're still on my DH's union insurance PPO, but it's very expensive ($850ish) a month OOP plus all the other co-pays we have. I realize we're extremely fortunate to have this, but I wouldn't hesitate to look for assistance if necessary.

If work got to be too much, I'd apply for SSDI. I'm hoping I won't have to think about these options in the near future.