Private insurance can be purchased by you and your partner. You may also purchase coverage through your state's health insurance Marketplace, commonly known as an Exchange, under the Affordable Care Act. If you have a choice between two employment plans, consider enrolling your children in the plan with the greatest benefits at the lowest cost. If your employer provides only limited health care coverage, then purchasing private health insurance is an option for you and your partner. Each year, thousands of new companies come into existence, so there is always a chance that your partner will be able to find good job opportunities. If your employer offers affordable health insurance but you believe you could do better by yourself, then you should look into buying private health insurance. Whether you can afford it depends on how much coverage you need and the quality of coverage you can get. Don't just take our word for it; check out online resources to help you make an informed decision. Many young married couples don't think about buying health insurance until after they have children. If this is you, then consider setting up a savings account specifically for your health care expenses. This way you will be able to save enough money to be able to purchase some form of coverage. The best time to buy health insurance is before you need it. Waiting until you are sick to buy coverage increases the price of health services because of the high cost of treatment.