@jk Yes - cobra only allows you stay on it for 2-3 years, after that you are on your own. I work as a college professor teaching online classes, but as an adjunct professor I don't get any benefits and only get classes based on student enrollment so my income varies with the time of year and how many students enroll, but my medical bills and those I am paying off for my late husband's care don't decrease. My ankle surgery (outpatient) in Jan 2018 was almost $30,000 so I am very grateful that the health sharing ministry helped me with that, but wish I could have just had a cast without surgery... Now I am waiting to see what kind of nerve damage I have and what may or may not be able to be done for that. Am getting the feeling that I will not be walking normally again and will always need some assistance, but am hoping to improve enough for a cane and not the crutches and walker I am using now. Having to attend my daughter's wedding with a walker and wheelchair was not pleasant... but better than her Dad not being there at all since he died when she was 21.