i recommend you work with a licensed insurance agent in your area to examine all the plan options available to you and which will best meet your family's medical and financial needs. you can look for a licensed agent at the national association of health underwriters: nahu. com or ehealthinsurance. com.
my husband is 60 and has annual gross income of $70 000. i'm 57 and unemployed. our son is a student at age 23. we both have no health insurance but we pay $142/month for our son. our overall health status is good. my husband has asthma and uses and inhaler but is very stable. i take one generic medicine for depression. we all see our doctor once a year for a routine check up. is it wise to cancel my son's insurance and include him with us instead?