The last quote for insurance for my husband and myself would be more than $1200 per month. It's completely out of the question. $300 a month isn't squat compared to that, and at that $1200 per month, I didn't take the time to see what it would actually cover. So cry me a river!!! Feel lucky you have coverage you can afford. We pray we don't get sick at our house, great health plan, eh??!!