Thank you Jenny and Lamjung for your kind reply.

Lamjung, As my income is just a little bit above the poverty line set by the federal gov. i am not qualified for the state health insurance. I receive my pay stub on check so i don't see any possible way to make it lower since its automatically recorded through company.

 You have stated that your friend's company pays $556/mon for him including his wife. I guess company is deducting that amount from his pay check right. Or is that exclussive to his pay stuff provided by the company as part of employee support (i.e benefits). If that is the case then i will contact my company's concerned group to find whether my company do have such kind of facility then will add mine and my wife's along with additional $$ for my child.