Hello Y.. I do not know much about Kaiser low cost health plans, but I do know about Healthy Families. I do not know if this is something you have looked into or not, but a few years ago I did not qualify because of my income. I applied again at the beginning of this year (because the insurance offered by my employer was costing me over $500.00 for both of my kids), just on the off chance that they would accept my kids, and they did. They have raised their salary maximums. I barely fit into the bracket for my income level, but I did, and am so glad. The only hard part was that I had to take both of my kids off of their current insurance, because even though my employer didn't pay for it, it was offered through my employer, and Healthy Families will not take anyone that has had employer related insurance for the previous 90 days. So, I took a chance, crossed my fingers and prayed real hard that nothing would happen to my kids in 90 days, and they were eligible April 1st! If this is something that you are interested in and qualify for, my only piece of advice is to choose the doctors and dentists carefully. They have some great ones, but at the same time, you could end up going to a not so desirable place. I pay $30.00 a month for both of my children.