But maybe if you're on their insurance, you ARE their dependent? I'm confused.

Yes. Me too.

I'm keeping the money. I'm refusing the insurance. Two reasons, one being if I'm on their insurance I think that's proof they can use that I'm part of their household - and I'm definitely not. The other one is that I'm a terrible driver and would probably be better off just bumming rides off other people eternally - or, you know, living somewhere with public transportation. Really, that would be ideal.

Anyway, good to hear from you, and glad to hear your back to the world of the internet! Looking forward to catching up!