What do founders do for health insurance?
tptacek: Been there.$1,500/mo is a typical quote for "normal"-deductable health insurance. If you're a young family, that's not what you want; you want high-deductable health insurance, which has a low monthly payment but effectively means you're paying for all your doctors visits and medications out of pocket.The real goal of insurance is to keep you from going bankrupt over appendectomies and broken bones. You can afford to pay your pediatrician yourself.If you have a qualifying high-deductable plan, you can also create an HSA account and fund it to pay for routine health expenses; those costs are then tax-advantaged.I agree with the other posters that recommend brokers. Especially for a family, you can wind up in a rats nest of preexisting coverage denials if anyone has ever been to the hospital before. I got the sense that insurers simply don't like covering women who might have children. Brokers will not resolve this problem for you, but they'll make most of the paperwork go away.Couple more thoughts.First, there may be an engineering union style group you can join to get health insurance from. Jeremy, one of my NYC partners, had a group like this he got coverage through. So look around for things like that.Second, beware of temporary/month-to-month insurance, which reputable insurers offer very cheaply. It doesn't take a lot of thought to see why this is a bad deal: they're under no obligation to pick you up once the term ends. If you get sick April 29th and your plan runs out April 30th, you're completely fucked.Matasano got group coverage (through United, and I'm not a fan) a couple years ago. It made hiring much easier; health insurance was often the first question candidates asked, before base comp. Be aware that group coverage isn't a magic bullet either. What it does is make preexisting condition issues go away. But it isn't cheaper than what you can get on your own.