where can I find lower health insurance for a family of four in ulster co. Now paying 900.00 amonth?

That is about the going rate, if not a bit low.

For long term planning I suggest you or your wife find work that has an insurance program. These days, benefits are more important than pay. Even your policy will probably not cover all of your medical cost.

My brother-in-law and his wife pay $24,000 per year, with no children. As soon as you have a major claim chances are your insurer will jack up your monthly cost. Work for benefits, not pay.

Honey, the bad news is, that IS low health insurance.

Unless you want to take out a major deductible, like $5,000 per person, $10,000 per family, you're not going to get coverage lower than that.

that's a low rate - can't you get insurance thru work? - only way to get a lower rate when paying full premium is to get a higher deductible - then you need the money to pay that deductible (2000/yr or so for a family)