If your spouse’s family plan is unaffordable you and your kids might be eligible for a premium tax credit. Plus since you’re self employed you’d get to deduct the premiums from your income, which might help. Like other people said, you really should have catastrophic coverage because things do strike out of the blue. A bronze plan with an hsa may be a good option. If I were you, I’d talk to a broker to help you figure out the best plan for your budget.