<human>: Can you condense the text into three sentences or less?

Between us we have 5 (yes, 5) previous marriages. I have two and she has 3. Further we have 6 kids between us. I have 4 and she has 2. Mine live out of state and hers live with her.

I have a great relationship with her kids. They're insured through medicare (she doesn't make a whole lot...not a big deal). She doesn't have health insurance though. Neither of the dads are very helpful financially nor when it comes to being there for the kids. I've filled the role to a degree. 

We've discussed moving in together and possibly looking at things down the road a ways. We've both been through crap relationships and realized we were compromising for people that didn't really care about us.

Neither of us is really crazy about getting married again, since our luck with it hasn't been all that great to begin with. Also, there really isn't much of a point aside from taxes and insurance and so forth.

We love each other a lot, I get along great with ehr kids and she with mine. I'm not sure if marriage should be explored just to protect her if something should happen. My insurance doesn't allow for SO's to be covered (but they would cover her if she were my "domestic partner"...but I digress).

It goes without saying that getting married just for the sake of getting her covered under insurance is a stupid reason, but there's a lot more to this relationship than that.

Anyway...
<bot>: Neither wants the hassle of marriage, but I don't want her to go uninsured. Should it be discussed or run the risk?