If you're in WI, you can sign them up for Badgercare - it's avail to ALL kids, regardless of income level (you just pay for it if you make a lot). I didn't realize this until just recently. Our private health insurance was going up to over $300 PER kid!!! (Deancare individual policy). I guess we were rated 'high' due to my son's birth defect, which hasn't required major costs from them since he was a baby, and they then also charged this astronomical amount for my DD, too! I get angry even thinking about it. I hardly EVER take them to the doctor - just my son's yearly check with his neuro doctor and an eye doctor each year. Anyway, I think if Badgercare won't charge you more than $100, then I don't see how any WI health insurance should be able to charge more than that, since all they'd have to do is TELL people that they can get Badgercare - a lot probably don't know. I know I didn't - I assumed it was only for low income kids. I guess I 'threw away' thousands of dollars paying for Dean before I realized I could switch them.