I pray that everyone that reads this about insurance will take note. The insurance or lack there of can deal you a hardship. I had pre-existing conditions from the time I was 29. I had no health insurance, and was never given the chance for any. My folks couldn't even afford the premiums because of these conditions. When I did wind up with severe troubles medically, it wiped out what two generations saved for. My middle income life, joined the ranks of the poor. It hurts, because I did work 30 years. I so hope everyone can get insurance. I would not want anyone to have to go through what I did. ginnie