Hi, I'm new to this thread but would you clarify something for me? You are saying 12 people in this survey are w/o insurance and have NO out of pocket expenses?

If so, what meds, what docs, what hospitalizations have they had?

My friend, 31 yo with MS and very handicapped makes $400 SSI and is on Medicaid. She has to buy her own diapers, medical equipment except the electric wheelchair they bought her that she is unable to navigate now and is unable to get a manual chair so someone can push her around.

She is currently been trying to get on Ty for over a year with no luck.

So, at this point I would say pay the insurance if you can.