I support my wife and 4 kids and the way I've had to deal with insurance is by getting a High-deductible Health Plan which pays 100% after the deductible is met. Then by having a HDHP I qualify for a Health Savings Account (HSA) which I can put a certain amount into each year pre-tax. The money I put into the HSA grows with decent interest if I don't use it. I get a Visa debit card which I use whenever I go to the doctor, dentist, etc. It still costs a lot of money each month, but so far so good.