I have worked agency for the last two years and PRN before that...and I currently have an interview scheduled for a new PRN spot that pays comparably. I really enjoy the flexibility and ease of working the shifts that I want, not being on any set schedule, being able to cancel easily if needed, etc...The hospital I originally worked for did not have a very good healthcare plan so my husband and I have purchased private health care for several years now. (family of four with no pre-existing conditions approx 520$ monthly) The only thing that I dislike about it is the days that I get canceled...cause then I have to sign up for a different shift and when you work nights your day is pretty much wasted trying to nap and such before work...just to get canceled. Its good to be flexible and be willing to float to various floors or hospitals to ensure that you work the days you want to work. I would definately say try PRN if you haven't...as long as the insurance thing works out. You should make quite a bit more than regular pay...enough to still profit even if you pay more out of pocket for insurance... Best of luck