<prompt> Human: My parents were both laid off in the past year, but have finally found new jobs. However, we now have some issues with our insurance plan. My father gets free insurance from work, but to add the rest of our family mom plus 3 kids would cost 1400month with a 4000 deductible. This is way out of our budget. My mom does contract work so she is offered no insurance through the contracting firm. But because she didnt want to be without health insurance, she signed up for a plan that is 800month with a 1500 deductible through blue cross blue shield. This seems very high. Is this really the best option out there we live in mn by the way. I asked my mom and she said she checked mnsure.com and this was the cheapest plan she could find. This doesnt even include dental. Is there any other place we can look for insurance? Can this really be our cheapest option!?Another thought I had was that my sister and I could claim independence and then because we have virtually no income, we could get very cheap insurance through the government. However, I understand that has a lot of tax implications. My parents could no longer claim dependence for us, and I dont know how much that saves my parents money and if the trade off would be worth it. I asked my mom and she said she doesnt know how much we save by that and she cant afford to hire a tax lawyer to figure it out. As you can tell, we are not financially educated. So if you could even point me to a website or book that outlines these basic things especially explaining all of the new obamacare stuff, that would be greatly appreciated. Let me know if I need to add any more information. I appreciate any advice!Some more information:family income:mom90kdad90kkids:eldestme: senior in college - also has access to health insurance for under 1000 but only for the school year2nd kid: sophomore in college - has access to healthcare in college but opted out because its about 2500 per year3rd kid: sophomore in highschool - no other insurance options  <response>: If your parents are making 180k a year, and you have no idea about anything finances... you need professional financial help.And if they make 180k a year, and cant afford a 3 hour session with a registered accountant, they SERIOUSLY need professional financial help. 