I thought no one can be turned down for CHIP. You may not qualify for the free program but there are very low cost plans available. From the chart I am looking at, you would pay $43/child making $48,000/year. But I don't know how many kids you have and what state you are in so it may be different.
I do think kids not having health insurance is unacceptable but I don't put that blame on the parents. Not everything is black and white, and there needs to be a program to cover the kids in the gray area.
What state do you live in? If you lived in PA you'd have low cost coverage http://www.chipcoverspakids.com/assets/media/pdf/income_chart.pdf
If I couldn't afford out of pocket health care, and I didn't qualify for medicaid, I would avoid getting pregnant like the plague, that's for sure.
*Also, have you looked at moving to an area/ a state with lower cost of living, or different CHIP guidelines? Is there anything your husband can do to earn a promotion? Can you work from home? Have you truly turned every stone?
*I didn't say it was a simple solution, but don't pretend that you truly can't get health coverage no matter what you do. How many children do you have? I checked your profile. You'll soon be a family of 5 (do they count your 3rd before or after birth?) and then you qualify based on income.
*A 5 person household qualifies for CHIP at $52,000 pre-tax.
*What is your husband doing to earn a promotion, and what are you doing to earn money as well? Do you buy second hand clothes and toys?
*$48,000 is the max he can earn? Why doesn't he go into a new industry then? Why not move to another state?
*To be quite frank, IDGAF that money isn't everything to you. What I do care about- is when you take your uninsured kids to the ER and try to pay off the balance at $20 a month. You won't ever pay the bill in full, and the hospital will have to eat the cost of the services they provided you, less the measly amount you paid. You will have then passed along the bill to everybody else. The hospital raises the cost of services to cover losses from people like you, so the insurance companies have to charge more because they have to pay more to the hospitals. In turn, I pay more for MY health insurance because you don't feel that health insurance for your family is a priority.
Instead of pretending that health insurance is unattainable for your family, admit that it isn't a priority to you at all and you are okay with everybody else paying higher rates for their own services so you can sit at home.