Hey there, If you are trying to buy ur own health insurance , Blue Anthem or Humana would be affordable . However, I dont think you can get insurance for your whole family for $200.Health insurance is pretty much like any other insurance. The higher the detuctible , the lower the premium.Try to call Humana, they have a plan specially designed for people who do not use health insurance unless they really have to( like we nepalese in most cases.)If you bought those plans, the most money you would pay for your whole family is $6000 year, anything over that amount would be paid in full by Humana. As we dont use doctors that often , this would be an ideal plan for us  as the premium are really low.

I hope i did not confuse u more. Chao.