Need insurance help for kids. I (42M) am self employed and partner (36F) is SAHM. Kids are 15, 7, and 4.

Trying to figure out where to start in searching for a replacement coverage for our kids. We have had them on a state sponsored program, but it’s lapsing and doesn’t qualify for renewal.

My wife is with Kelsey and likes her coverages, but would prefer to keep our kids with Texas Children’s. I don’t know if that’s possible or if we should see what Kelsey offers, since she’s already with them.

I do not have coverage for myself and haven’t for years due to its cost and frequency in which I go to the Dr.

How do we find the most affordable plans and income based discounts, possible?

Our 15 and 7 YO’s coverage expires end of October. But our youngest expires end of September. Which will create a lapse in coverage for him until open enrollment.

I don’t know where to start, which is why I’m here.

Please forgive my ignorance, this is not my area of expertise. I just want to make sure my kids get the coverage they deserve and my wife doesn’t have to stress about it (current situation).

I’ll be happy to answer any questions that would make it easier to point me in the right direction.

TIA

submitted by /u/chucks97ss
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