Health insurance managed care & indemnity plans -- Medicare -- Medicaid -- Social Security Disability Insurance -- Supplemental Security Income -- SSDI/SSI: the applicant with MS -- Employee Retirement Income Security Act (ERISA) -- Health Insurance Portability & Accountability Act (HIPAA) -- Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) -- State "mini-COBRA" laws -- Ticket to Work & Work Incentives Improvement Act of 1999 (TWWIIA) -- Comprehensive state health insurance for high-risk insurance.