A family of.4 . . 2adults. . 2children . . I have pre existing condition . .ie breast cancer but have been in remission for 10yrs plus . . . Husband has orthopaedic issues and will prob in future need knee replacement. We are both nearing 50yrs old Currently with VHI nurses plan.select as one adult is in the hse . Children are 4 & 2 . Need guidance on plans as am afraid to move as my husband is afraid of the waiting times.on new polices. He won't hopefully be needing any surgery for a few years and day to day health expenses are not important . Hoping for some. guidance please.