I know health insurance can be very frustrating. I have cancer in my health history, and so none of those individual plans will take me until I am at least 10 years in remission. I have coverage, but it is really expensive. I would consider doing an HSA (Health Savings Account), they can have very high deductibles, but cost less per month. Much more affordable than COBRA. If you all rarely go to the doctor, you will still have the security you need in case of a major illness, but because of the high deductible, will have to pay out of pocket until you would reach the deductible. It might make sense until you can get on a group plan with an employer. Also, you might investigate Christian Care MediShare. I won't take the time to explain it here, but could be another option for you guys.