The better the coverage, the higher the price you pay for it. These two factors are the main determining factor of the amount of insurance you need and can afford. Anyone who loves their family and wants the best for them is an admirable person indeed. To get the best chances of getting the best amount of coverage you first have to get the insurance. To get the insurance on a meager budget, impossible? Nope, first lower your risk so the insurance company sees you just as anyone else. If you engage in a vice that increases the risk of you going to the ER for treatment because of it the try to avoid it. That way you are less likely to use the said insurance because of that vice.