Victor,
My thoughts are dump the insurance and live off the assistance. BUT, I haven't done that myself. I think I may be better off if I did, but it's a hard decision. If I dumped my insurance then we'd have to dump some jobs also to qualify for assistance and because I have two teenagers, I don't want to do that to them. DH and I can live off of little, but I grew up with very little and not much opportunity and want better for them. I want to be able to give them all the opportunity that they would like to pursue. I don't want to give them a free ride when they are not working but I want to be able to help them get a start in life and have it be a little easier than I had it. I worked full time plus while in college and really had some tough times putting myself through college(affording basics like food and clothing). once my kids are not depending on me anymore, we probably will 'retire' then.

Kathy