My part-time gardener has a policy through Covered California for himself and his family. They pay $850 mo. for the policy. (He makes a good living with his business.) His wife recently went to Urgentcare. The first time, she paid the $75 co-pay and $375 for tests. The second time, she paid $225 for the visit and more for tests. From this point on, the policy pays next to nothing until the bills reach $7,300. 

They should be able to get better insurance than this for $850 mo.