Wondering what do some of you do about health ins.? We have had to stay closer to town in order to keep husbands job so that we can keep health ins. for our family. Our kids qualify for reduced lunch at school so our income is not alot for a family of 5. Our premium monthly for my husbands ins. through work is $1000. or $12,000 a year. And each person has a $2500 deductible and 20 copay at doc. Sounds pretty sucky huh? Well despite this we have been very frugal and saved some retirement money, college money by living in a house that "below our means"....$400 monthly mortgage....and never going out to eat, gardening,goating,and wearing handmedowns. Our income qualifies us for state ins. program but because we have lived in a small house and saved for future we do not qualify. If we were to take all money out(of bank) the state would allow us to own a home worth $250k. And drive one new vehicle (say a Hummer). Other assets could not exceed $10k, and family members could gift us to a certain amount to cover legit expenses. We sure could by a lotta home for $250k and only need one vehicle really and borrow family members equipment.....makes me wonder why we are working so damn hard only to pay higher health insurance every 6 month.