Looking for Health Insurance that allows 5 year old as primary member?

I currently have an individual plan with me as the primary member and my daughter as a dependent. We pay $400 a month. My husband changed jobs and my employer's plan would cost around $900 per month. I had no lapse in coverage, but BCBS TX will not cover any of my pre-existing conditions, so I'm in a heck of a lot of pain, can't have the surgery I need, so I'm looking to get on my husband's group policy, but that would cost us around $800 per month. I was hoping I could get on his plan for $400 then find a policy for her around $150 tops. But from the looks of it, we'll either have to pay for my surgery, I continue to live in pain or we pay the $800 per month. Between taxes and insurance, I might as well quit my job and get on welfare, seems like the thing to do these days! And I would definitely qualify since I am young and able to work, it's the people that truly need it and are disabled that get denied.

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