Help! What Insurance to Get for Someone with Large Medical Bills

My wife and I are retired with 2 children still in school. Since we do not work, we purchase individual health insurance. We do not qualify for subsidy under ACA. We reside in WA. Every Dec, we have a hard time deciding which health plan to purchase. I hope the experts out there can advise us on the type of insurance plans to get.

One of us has very high medical and prescription bills every year. It has been so high that each year the bills exceed the out of pocket max for this individual. The other 3 of us have relatively low medical bills: average about 2 simple doctor visits per y
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