^^^ What she said.
The way insurance companies really screw you is that it's actually cheaper for a single parent and however many kids to have a policy than it is for just a married couple sans kids. Add kids to the married couple, and you can kiss your Vaseline good-bye. Like what JP said, keep it subsidized some way somehow. Paying insurance out-of-pocket sucks. Trust me, I speak from years of steadily increasing premiums despite having NEVER used it (never meet my used-to-be small deductible).
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