I'm fortunate and I have very good and cost effective insurance because my wife works for the state of Texas. The deductible is only $25. I think it cost me less then $100 when my last child was born. The cost has gone up in the last year but it's still way cheaper then what I could get myself. I think we may be paying $300 a month for a family of five. My wife worked for United Way for a few years and I think it cost me $2000 when my other child was born. Everything cost me money and was only partially covered. When sales people call about insurance they hang up the second I tell them about my state insurance because they know they can't even come close on the price. I'd like to hear what situation others are in.