A heimishe mom – You can only deduct the amount above 7.5%, not the full amount.
I personally can vouch for CHP. You can make a pretty good salary and still be easily eligible. For our b’h large families, the fact that the per child premium is capped at 3 children is a tremendous savings. It it truly a pleasure having no copays and no deductibles, which is what I had with my old insurance which costed a fortune in premiums.