you can look for a high deductible plan with a hsa and given that your family is healthy and doesn't go to the doctor frequently that may be a good option for you. this option is likely to keep your premiums lower and will allow you to put money aside in the hsa account to pay for medical care tax free. and as long as you spend the money in the account on qualified health services you'll be able to spend it tax-free as well.
we currently have a family health insurance policy with cigna. we are all in good health exercise and like to do a lot of natural remedies that our policy doesn't cover. would a hsa be a good thing for us to look into? i've heard they are only of value to people looking to help their income tax situation.