 [ Symptoms ] we are a family of 3 making approx 23 000  we do have health insurance coverage through my spouse is 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 do not have to choose between paying bills or food and prescriptions [ Disease ] 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 will not be an option for you if the monthly cost of your current plan exceeds 8 of your family is annual income you will not be penalized if you do not have health insurance if only your husband is portion of his employer is insurance also costs more than 9 5 of your family is income you could look to the marketplace for a plan and qualify for subsidized coverage there are details about family coverage that you will need explained to you in greater detail contact your marketplace to speak with someone about your options