I admit I do shake my head from time to time because you haven't changed a thing. You would still take H back in a heartbeat.
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by me not being here won't that make him feel that I don't want to be around him?
SO???? Why do you care what HE thinks!? He is a grown up and will realize "Hmm, maybe TOH doesn't want to be around me because I have treated her so poorly, oh yeah, and I am actively cheating on her, not supporting her, not keeping up my end of the H deals". LET HIM MISS YOU. Be selfish with your time, keep it to yourself. He just hurts you with his indecision.
If he doesn't handle the insurance soon, I would see a lawyer. Something major could happen (appendix, broken arm, etc) and you could owe $50,000 in the blink of an eye.
