You recently married a woman with a family of three children and you have been obtaining quotations from family health insurance companies to cover your new family. You are almost convinced that finding affordable family health insurance is just not possible. You are not alone. Many people are finding the cost of health insurance to be very expensive and as the premiums continue to rise while incomes remain static, a problem develops. They can no longer afford to pay the premiums on their family health insurance policies. The rising cost of illness and treatments is affecting the insurers and the insured.