You have made a conscious decision to spend your income on college classes, investing in a better tomorrow. For today, however, you have to play the odds, that being young and healthy you won't get sick; or you can reduce the number of classes you take and use your wages to buy health insurance. The simple fact of life is that with both of you working minimum wage jobs, you can't "have it all." You have to set your priorities and live according to what your income allows.