<prompt> Human: I began working at said company mid January this year. I was provided their benefit package which I have to have submitted by March 1st. The company pays the initial 297.85 of the monthly premium, and I am to cover the remainder. My annual salary is 50k. This is the breakdown I was provided;Family - Employer pays 297.85 per month - I pay 561.64 twice a monthI am married with two children. My wife works as an office administrator through a staffing agency, and is considered a temporary employee and doesnt qualify for benefits as such. She brings home approximately 1600 gross per month. We have too much overhead at home between mortgage, and two financed vehicles. In all our monthly expenditures total upwards of 4000. My wife has to have coverage, we cannot afford to continue paying the full premium for her blood pressure medication out of pocket. Our eldest daughter is in high school and just made the high school softball team insert proud dad moment and also requires coverage to remain on the team. Our other daughter is 8 years old and she suffers from the same ailment I do, being a klutz. I dont know what to do for medical coverage. We looked at the covered California site and yes the monthly rates are better, however they are horrible plans and have up to 6000 deductibles per individual! Be gentle this is my first thread. Edit: Monthly expenditures;Mortgage - 1619.00 This includes property tax, PMI, Homeowners insuranceUtilities - Approx 900 Cable, internet, cell phones, water, gas, electric, etcVehicle 1 - 521 Bought new in 2011, stupid I know but circumstances were far different thenVehicle 2 - 258 Work Truck, I work in the electronic security field and need a truck for hauling partstoolsAuto insurance - 250Food - 800Fuel - 500 Total : Approximately 4,598Edit: Just wanted to say thank you to everyone for the input. Ive been put in contact with a health care insurance broker whose offered to guide us through the insurance policies we have available to us. Ill update with the results.  <response>: You or your wife could look for a job with better benefits. In the meantime, you could try cutting back on some of your other expenses to afford the high premiums. If the cheaper plans you were able to find were high deductible, you could also consider whether that saves you more money in the long run than paying 12k annually for insurance. 