Work Provided Health Insurance Deductions Skyrocket Panic

First time poster, didn’t even know this SR existed.

So I (m 38) find myself in an unreal situation. I work for a private hospitality group in NYC that has offered expensive (currently $330 deducted per week for myself and my spouse) Cigna plans for some time now. I currently have an Open Access Plus In Network. The deductibles aren’t great but its insurance and my spouse is unable to work.

The unfortunate reality is that very very few employees utilize this insurance due, in no small part, to the weekly cost for anything other than single coverage. We were just informed that due to a complete lack of care or want of work, our same plans are now facing a $300 increase, per week.

Coverage for the employee and spouse is now $630 per week, with absolutely no change or added benefits to the plans.

I make a reasonable amount of money. I do not make enough money for $2400 a month going ONLY to Health Insurance. I am at a total loss, my husband has countless psychiatric conditions and I have my own issues, but paying this will ruin us, effectively.

I, and others, have thrown ourselves at the mercy of our ownership for some kind of assistance and they are currently weighing their options. Trouble is the deadline is in a day and we have still heard nothing.

Speaking with HR, I thought there might be a possibility of accepting the coverage for now and then modifying (to remove my spouse) as soon as I can if our ownership offers no help. But it seems outside of Divorce, Death, or gender reassignment it is LEGALLY impossible to do so.

I guess what Im asking is it worth it to try and find coverage on my own? Is $2400 a month for two people the average and I’m just out of touch? This has been a vent as much as a question, I appreciate anyone who took the time to read it.