Back in 2003 when we had a 6 month old and two year old, I bought health insurance through a broker. United Health Care plan with low copay/deductible for the four of us for $400/mth. Haven’t been able to afford health care ins since obamacare
Solidarity Health Shares. Better than insurance. Check it out. Full disclosure: I do not have any interest in this health sharing scheme. I am a member. I was paying COBRA to ex’s employer at $750/month just to cover myself. Found out $125 a month was a fee the employer added on just because. Anyway, health sharing is definitely the way to go. Paying $199/month now.