That is the new reality. Plan on it being worse, there are many more people getting healthcare than are paying for it. And the ratios are changing in an exponential manner - which is great boon for early FIRE.
Without knowing how much income you have, or your wife, it is difficult to determine what is the best course of action.
In my case, I have VA insurance and will buy a high deductible bronze policy. My deducible through my bronze policy can be met just by going to the VA, even though I do not have to pay anything. I am looking at the bronze policy like a catastrophic plan.
Once we FIRE in 2016, my DGF of 25+ years will be getting a policy paid by the State of MN that will cost ~$20 a month. It will include medical, dental, vision, pharmacy, and even free transportation to the clinics with a $0 deductible.
If you were not married, and if your wife was a low-income person, she could get a very cheap policy that would combine the kids on it. While it may not be feasible to get un-married, if you can save $15K+ a year, it may be something to consider.
If you have a corporation, you should be able to deduct the healthcare premiums so at least it is tax-free. If you do not have a corporation, and only get a 1099, you are likely missing so many tax deductions that the cost of healthcare is a small amount.