Vic,

Is your plan an individual policy or a group plan? At work we have a group plan and it only has two people on it. They get a break in costs and get the benefits of a work plan compared to an individual plan. In Illinois, you only have to have two people on the plan to have group insurance.

Theirs goes up each year because of age and minor claims, but our agent offers us new plans with other companies at a much lower cost each year. If they wanted to they could switch to the other insurance company plans and save lots of money until they were adjusted at the end of that first year due to claims, etc... Could you possibly do a group plan and add your wife as an employee? Just a thought...

DH and I are on his group plan through his union and we still pay about $15,000 a year for monthly coverage and out of pocket because of the MS. If I was on the plan at work, the company (and each employee) would probably be paying twice as much as we are now if we stayed on the same plan year after year...

This is one of the main reasons I expect to keep working as long as I can... who could afford this and retire? Certainly not me!