It's not $20K a MONTH, is it?

Your meds, treatments, surgeries, hospital stays, etc. ... probably add up to much more then what you are paying for your insurance premiums, don't they? Your insurer would likely be more then happy to drop a client like you, to bring the "pool costs" down. More profit for them.

I don't feel as guilty being 'on the medical dole' because I don't cost the system very much either. My only med is $20 a month, I've had one MRI in almost 18 yrs, and I visit my neurologist once a year (and do that only because that is mandatory for insurance purposes). Any other medical costs I incur are par with most every other "normal" family in Canada . . . so I'm not costing the system much due to my specific health issues.

These are social safety nets, meant for those in NEED. I'd have much rather paid in for the rest of my life, and have not NEEDED them, but unfortunately that's not the way things worked out. I do feel guilty about getting Canada Pension Plan (similar to SSI/SSDI). Yeah, I paid in about $2,000 a yr for 30 yrs . . . but since I am dependant on it until death now, I'm definitely going to be getting every penny back (that me and everyone else in my family ever contributed), plus heaps more.

Cherie