I believe that this is your husband's job, and you are to care for the emotional and homemaking needs of your family. Your husband is choosing to live a certain way and expects you to make up the financial difference it causes. You need to decide if you want to take on that role. As for health insurance, you have found a fairly good plan. Many families pay more than that for similar coverage.
Private insurance is expensive.
Stick with a plan and increase your coverage as you can afford it. Remember that you won't be in this situation forever. Things will get better. Q. Dear Miserly Moms, My dear 8 year old daughter received an Easy Bake Oven for Christmas this year. Thanks so much.