Thanks for all the fabulous comments on my last post.  I got some great suggestions that I was able to follow up on.

Going on COBRA is considered an open enrollment event, meaning I can change anything and everything about my coverage.  If I drop to the least benefit plan that still has prescription coverage, I can cover just myself for under $200 a month.

Then I can put the kids on a good preventative plan to cover all the well-kid visits, vaccines and inevitable ear infections or pinkeye or strep, the usual stuff that comes up. Hubby can go on a high deductible catastrophic type coverage with an HSA.  We ought to be all covered, at least somewhat, for around $500 a month.  Much more palatable than $1200 a month.  It's still a ridiculous amount, but you really can't go "naked" anymore, since one incident can bankrupt a family. (READ MORE)