i really need health insurance for my family but the ones that aren't astronomical sound too good to be true?

like national benefits consultants and a few others that called me saying it was around 150/mo for 80% coverage for all major medical expenses, a one-time fee of 120 to start up, and the price doesn't raise for adding my wife and child. are these red flags or is this legit? is there a website i can check insurance ratings?
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Some health insurance companies, or organizations such as AARP, will compare policies for you. The most difficult obstacle is that no one can predict the future, either with respect to: 1. one's health needs, 2. policy coverage, or, 3. policy premiums. One approach is to compare policies and premiums based upon one's current needs. Note: Federal Employees Health Benefits are most probably the best, and least expensive, but it is absolutely essential to comply with all rules and regulations, because the G will go to absolutely unbelievable extremes to deny coverage. A career federal employee once wrote to the editor of newsletter saying that, regardless of the law, the federal government does what the then-president wants.
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