The first step in finding affordable health insurance is to shop around. A website such as this one can help you get an initial quote, and compare that quote to other insurance providers. This will help you develop a base of potential insurers. Next, ask your friends, family and coworkers which company they use for health insurance, and get a feel for the level of service various companies provide.
By eliminating companies with poor personal reviews or higher than average costs, take the short list to a financial ratings website such as the A.M. Best Company. That will provide you with a financial strength rating for the company that illustrates how well the company is doing economically. Since your health insurance could develop into a long-term process, it is better to limit your choices to companies that are doing well financially.
If health insurance for your children is your only concern, and your budget is limited, many states offer health insurance programs for children. The programs are called by various names, such as Peach Care in Georgia, and restrict access to the system to families with low and moderate incomes. For yourself, your state's Medicaid program can provide you with basic coverage as well as supplementing the coverage of your children. Contact your state's Department of Insurance to find out how to contact the proper assistance program in your area.
As the ACA goes into effect, you will be able to contact the health insurance exchange of your state to locate health insurance providers. This program was set to go into effect in January of 2014, but may be pushed back to 2015 in the near future. When it does become effective, you may qualify for health insurance vouchers to cover any gaps between your budget and the cost of health insurance for your kids. You can get more information about the ACA at //www.healthcare.gov/.