your son can no longer be denied insurance based on his medical condition so you would be well served to explore all the insurance options available through the new health insurance marketplaces to see if you can find a plan at a lower cost. start your search at healthcare. gov.
i have a disabled son who i have been paying medical insurance for at the tune of $550 a month. we have been afraid to let it drop because of his spinal condition. after three times of trying to get him on disability or some type of assistance to no avail i'm afraid to look into a new program only to lose what we currently have. as my husband and i age i don't know how long we will be able to support him or his insurance.