Ours is the farm insurance--used to pay it every year, ran about $400. now, we have to pay it monthly--gone to over $1200 a year. that plus medigap insurance,$265. a month--new drug program,$56 a month, car insurance, $90. a month--and mind you, this is in addition to the regular payments!! out of Social Security, we also have to manage winters gas, animal hay, chicken feed-- how are the rest of you managing, with gas prices--and electricity-going up every day?