Many schools offer excellent coverage through their student health care plans at reasonable prices, so you should look into it. I had great BlueCross PPO coverage.
Try not to go through the school ... mine, at least, offers base-level, gutter coverage. The cap for prescription drug spending is $750 annually, which considering I take several medications, is not good. Also, the "network" is not as broad as advertised, and the school requires us to start our health care search at the university NP's office, which is 10 miles north and very hard to access without access to a car -- or, giving the constraints on our time, with one.
There are organizations out there that could introduce you to a nice pool ... if either your wife or your freelance in any field, the Freelancer's Union is an excellent option (given my previous career in writing.editing, I may be able to get away with approaching them, but probably not, since I;ve made all of $1,700 freelancing in the past two calendar years).
Anyway, just some perspective to add to the discussion. Good luck!!