As long as you are currently insured, they cannot cancel you for having MS... you might run into problems with health or life if you let it lapse, because then they can call it pre-existing, so don't let that happen. I've never had any problems with anything though. Especially not something like a car loan... they don't make you take a health exam to buy a house or a car, and I've never been asked anything about my health about anything like that. If you work for a betteer employer, make sure you have disability insurance and the highest amount (my work had low option or high option) Make sure it's on high and you keep it there. If you end up later having to apply for social security it's a long time to wait... usually at least one year if not two until you have income so that insurance can save your backside. I don't know what I would have done without it.