So they could have insured those two children for under $1,000 per year? That’s the cost of premium cable TV and I bet they’ve got that.
Here’s the family plan with BCBS in Baltimore, Maryland. Mother 40, Father 40, male child 12, female child 15, $1200 deductible, $30 co pays = $275 a month or $3300 a year. Cost of a single broken arm = minimum $7500.
If the parents are over 50 the plan jumps to approx. $412 a month.
http://www.ehealthinsurance.com/ehi/Census.fs