this is a tough situation some families face. some things to consider: first you may want to look into splitting the family up with regards to coverage. even without a tax credit individual plans just for the kids can likely be purchased at a fairly low rate through the marketplace. or if your income is low enough your kids could qualify for the children's health insurance program (chip) or medicaid. often the income levels for eligibility are higher for chip than for medicaid. talk with someone through the marketplace who can help you explore all of your options.
north carolina is not expanding medicaid. my private health insurance gets more expensive every year. . my husband's insurance is changing in december. i could go on his plan but we don't know what it will cost us yet. we are low income but because i could go on his plan i don't qualify for a subsidy. what am i supposed to do? this is not affordable. we are a family of 5.