<prompt> Human: I am 1 month in to a new role after being laid off at my former employer. Im now eligible to enroll in benefits but the prices are a bit high once I look at covering my wife and kids. Coverage for just me would be about 463mo on the PPO option or about 115 on the HSA option. For me and my wifeor kids it then jumps to 763 and 463, and then 1,418 and 763 for full family.I cant afford that!Im only making 24hr right now and the commute is rough with rising fuel costs. Currently my kids are on Medicaid as I enrolled them the day I was laid off. My wife has been uninsured since 2016 because weve never been able to afford it since.How screwed am I now?  <response>: The potential cost of not having healthcare is much more expensive. 