[flashback to the gang at Barney's apartment:]
Ted: Marshall, you're with me, right?
Marshall: Sorry, old friend. But I can't afford to tempt fate.
[present:]
Marshall: Oh right, I was being really weird. I should explain. Last summer I quit my job. And then, a week before the hurricane...
[flashback to Lily and Marshall in their apartment:]
Marshall: Huh, my medical insurance just expired. That gives me two uninsured weeks before I'm added to your plan. It's no biggie. Ow! Paper cut. Death is all around us.