I am trying to understand how I can make early retirement a realty with Multiple Sclerosis. My wife was diagnosed with MS about 10 years ago. Luckily she has the mild type and is not incapacitated at all. She is currently using Copaxone on a daily basis for "just in case". Very expensive drug. My work insurance currently covers the expenses. Will I be able to find independent medical insurance with MS in the picture? If so, what are the premiums. We are both currently 38 and would like to retirement when we are 45 or 50. I am supposedly able to buy insurance from work when I am 50 but not before.