your income would qualify your family for medicaid coverage. you should begin the application process to get yourself started. if however you live in a state not expanding medicaid this won't be an option for you. if the monthly cost of your current plan exceeds 8% of your family's annual income you won't be penalized if you don't have health insurance. if only your husband's portion of his employer's insurance also costs more than 9. 5% of your family's income you could look to the marketplace for a plan and qualify for subsidized coverage. there are details about family coverage that you'll need explained to you in greater detail. contact your marketplace to speak with someone about your options.
we are a family of 3 making approx. $23 000. . we do have health insurance coverage through my spouse's work but the cost compared to income is high - $684 per month leaving $800 for everything else. would it be more cost effective to drop that and purchase insurance through the marketplace so that we would have more income so that we don't have to choose between paying bills or food and prescriptions?