$280 a month? Is that maybe an employer plan that your wife is on?
If not, I've got to get more agressive in my insurance shopping. We haven't gotten a quote below $1000 a month for a family of four.
That is an individual plan for myself, my wife, and our 1 year old son. We are both young (22) and have no health issues. Also it has a $5k deductible and we live in an inexpensive state (Idaho).