Does your mom's job pay for her insurance? If so find out if you can get on it. I know I can be on my dad's insurance until I'm 25 as long as I'm a full time student in college and it doesn't cost my family any thing. If that doesn’t work I would look around a try to find a cheaper insurance plan maybe from a different company. I know there's lot of different plans that vary in cost. If you’re in college there's sometimes the college will offer a cheaper insurance program. If you can't get on insurance again there are always free counseling programs around such as ones at schools and colleges.
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