Try to shop around. My wife was covered under my insurance, however, I had to pay the premium. She had a "pre-existing condition" that kept her from becoming pregnant. Through diet and medication she was able to get pregnant. I figured out that this year, to continue under my employer's plan for my wife and daughter, would be $850 monthly. We could barely afford the $750 for the two of them last year, so adding another $100 was out of the question. I have a life insurance policy through a fraternal agency, and in checking with them, they offer health insurance and for the two of them, it is $388 monthly. Granted the deductible is a bit higher, but we're banking the savings. As for for the pre-existing condition, there is a 2 year rider from the last "treatment". After that, she should be covered. Don't know if that helps you in your situation, but check around.