Hi there-

I'm going to ask an impossible question to answer, but maybe you'll give a try anyway.

I'm wondering, ballpark, what it would cost to obtain health insurance for a family of 4 in Virginia:
Husband: age 37, has Multiple Sclerosis preexisting
Wife: age 33, no known health issues
Son: age 5, no known health issues
Daughter: age 2, no known health issues

We currently are covered by my group plan through work, but the coverage is mediocre, at best. Copays for the MS treatment are expensive, many claims are "mishandled", etc. This causes a considerable amount of aggravation.

I was wondering if we had even a prayer of doing better on the individual market. Rather than going through the entire application process, I thought I'd ask here: What would be an extremely rough estimate of what I might pay for an individual plan? Something either with a low deductible, or perhaps a smallish ($1-2k) deductible if it would lower the premiums enough (I'd definitely go through a $1-2k deductible each year).

Thanks, in advance, for anyone who attempts to answer this broad question. I'll be around to answer any requests for clarification.