I have a two year old that has 2 heart abnormalities. We thought she would need heart surgery, but the cardiologists don't feel this is necessary. The "leaks"

I have a two year old that has 2 heart abnormalities. We thought she would need heart surgery, but the cardiologists don't feel this is necessary. The "leaks" in her heart are getting smaller each month. She looks like any healthy 2 year old. I have family members that are health insurance experts and they tell me I basically have to be a part of a group policy. The last 2 companies I have worked for have had minor increases to their 100+ employee group policy. The health company cited my daughter as one of the reasons for the increase. Luckily my coworkers don't know this.