I pay $540 a month for me, wife, child. It blows a dingdong but we made the decision lately to get a new plan that doesn't offer maternity (nothing out there does anyways now a days) so hopefully soon ill be paying around $300-350

Just because you don't work for a large company shouldn't mean you get screwed. I should be able to form my own fucking large group and have a mass signup or something.

I guess if we decide to have a 2nd child we'll have to take out a home equity loan lol.