<prompt> Human: Heres the deal. I earn 43k with an employer that covers 100 of my health costs other than the 1250 deductible. The problem is that they only cover half of my unemployed spouse and none of my two kids age 3 and 1. Insurance is going up again 20 this year to annual premium for those 3 to 11,000 out of my pocket. Unfortunately since Im given paid insurance, I cannot qualify my spouse or kids for any subsidies.At this point 26 of my gross income is set to go to insurance premium.Gross Income: 43000Health Insurance Prem: 11051Food: 4800Necessities: 4000Shopping: 4000Taxes: 3000401k: 2400Utilities: 2000Car Gas, maintentance, etc.. 1800Entertainment: 600TithingGiving: 240Renters Insurance: 120Luckily Im living rent-free at this time and my car insurance is also paid via in-laws. Theyve been very helpful. Health insurance is killing me though. I am not sure what to do.  <response>: You need to make more money or your spouse needs to start working. 