My husband and I are blessed. He works for a small company but they provide excellent medical coverage. We don't pay anything for it, the company covers 100%. It is considered part of his pay though. Our co-pays are $10-$20 for doctor visits and $15 for prescriptions. I didn't pay a penny to have Ty - not for any doctor visits or any hospital charges. Ty was added on to the insurance plan free also. As I said, we are blessed to have this insurance.

I think that insurance can vary from state-to-state too. In PA we have a children's insurance program that can cover children who don't have insurance through their parents. We also have low cost clinics, though I am not sure how the quality is. Our health care in this country is in a sad state for sure.