Note that in the US, health insurance you can actually use, for a family (two adults plus one or more children), is no less than $1000/mo edging closer to $1500

Note that in the US, health insurance you can actually use, for a family (two adults plus one or more children), is no less than $1000/mo edging closer to $1500/mo. Getting pregnancy/childbirth covered at all on an individual policy is often difficult too. You can get a high-deductible policy if you generally don't need insurance but you personally can't control what your family members will decide they need routinely. That's part of why being an entrepreneur in your 20's is so ideal.