Answer: As far as health insurance goes, you will be insurable once you have 10 years free of sarcoma symptoms or treatment. I don't know what the underwriting guidelines are for life insurance.

If you should loose your group health insurance, you will qualify for COBRA coverage for 18 months. Take it. You will have no other options at that time. Your children and husband could qualify for individual health insurance based on their individual health conditions. Unless they are rated up due to prexisting conditions, the individual health insurance will be cheaper for them than COBRA. When your COBRA coverage expires, you will qualify for guaranteed issue coverage under the HIPAA laws. If you choose not to take the COBRA when you are eligible, you will also loose your HIPAA option. Once 10 years has passed since you had the sarcoma, you may then qualify for health insurance at a lower rate than the HIPAA guaranteed coverage.

Sound dismal?. Not really. You're lucky. If you had no group health insurance right now, all of your COBRA and HIPAA guaranteed options would be off the table. If you loose your job, you will have health insurance options, even if your coverage will be more expensive than it would be without the sarcoma history.