<prompt> Human: According to NYS I make enough to afford health insurance at 800 a month for my family wife and son. Thing is, thats insane. If we were divorced though according to NYS it would be 250 total for all of us. 150 for me and 40 for my son 60 for my wife. Has anyone ever done this? We are in love and dont want to get divorced but if it will save us 650 a month that is huge. Not really sure what to do.For clarification we would still be a family and live together  <response>: Ive known people who have definitely considered it. Make sure youre calculating the costs for you and your wife to be on separate plans, and for one of you to carry your son on your plan. This is assuming that NYS is your local version of the health insurance marketplace. 