i just filled out insurance papers for tricare for like the fourth time... (my husbands airforce) and i just noticed that it says 'former spouse' as an option for a dependent. i don't know just what that means, but it looks like something you should look into. your kids, if they're his kids too, will get to stay on his insurance.
if all else fails look into clinics that let you pay on a sliding scale.
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