Hi H., I can totally relate to your situation. I quit my job (that had top notch benefits) to be a SAHM. Well, let's just say that my hubby's health insurance was not so top notch. We ended up finding a plan through a local independent agent with a company called American Community. It's 279.00 per month for a family of 3, with a 5k deductible. You can adjust your monthly payment depending on what deductible you want, though. The plan includes a lot that others don't - preventive office visits and sick office visits only require a copay, there's a free yearly visual exam, accident & injuries only incur a $100 copay. There's more but I can't remember it all right now. I considered Assurant but this plan had so much more and was the right fit for us. I can send you my agent's phone # if you'd like it. Good luck!