Getting the right insurance for your family is hard to do. If it's what you need, then the cost is out of sight. You always need family health insurance when you have small children. If you are planning on having a family then, it's a sure reality that insurance is needed. Find the right plan that fits into your budget and get the benefits, that will cover your expenses, when the time arrives. Health insurance coverage is necessary to handle surgery costs and medicines, should you go to the hospital.