Does Family Health Coverage Cost A Lot More If You Have A Lot Of Children? 
Up to a point , yes . Carriers will charge more for your health insurance if you add on a spouse and children -LRB- dependents -RRB- . How many children you add as dependents can affect how much you pay for your health insurance . However , once a family size reaches a certain point , the coverage increases based on the number of dependents stops . For example , carrier A may say if you have 3 or more kids , it 'll be the same price as only having 3 kids . If you have 5 kids , you may only have to pay the amount as if you had 3 kids . Some carriers may make this 2 or more , some 4 or more - it just depends on the carrier . Make sure when you 're gathering quotes , you look at these specific items if you have a lot of children as your question indicates . It 's most helpful to work with an independent health agent who can compare multiple options for you -LRB- and in the process save you a ton of time on research and effort trying to understand the stuff -RRB- . Our group is licensed with a number of carriers and we do not charge any fees for our services so if you 'd like some assistance with your coverage , feel free to e-mail me or give me a call - you can see my contact information via my profile page link . I hope the information is helpful . Thanks very much . 