If you income is below the ACA threshold, you pretty much get a free bronze plan through a tax credit. Or in the states that expanded Medicaid, you can qualify for it.
And this would cover your entire family.
Brzone plans will have significant deductible and co-pay/co-insurance, but it will cover you for catestrophic issues.
Medicaid is generally very low cost-sharing.
Also ACA eligibility is based on your estimate for next year's income. If you make more than expected you may have to pay back subsidies, but if you make less than expected - provided it was an honest best-effort estimate - my understanding is they historically don't try to claw it back or anything.
More about states without expanded medicaid: https://www.cbpp.org/research/health/the-medicaid-coverage-g...
ACA self-employed income: https://www.healthcare.gov/self-employed/income/
We don't have much income through business.
I don't know if I can qualify for Apple Care (medicaid of WA).
It's hard to build business and have healthcare simultaneously.
Since it sounds like the income isn't actually doing you any good, you could potentially just reduce it (to ~<35k) and qualify for Apple Health. It would be basically free but might be accepted by fewer doctors. There's no enrollment window limitation for Apple Health so you can do this at any time.
(Not a lawyer or accountant.)
Oh also someone mentioned tomorrow being a deadline for ACA - that's only for coverage beginning January. You have one extra month and coverage will just start in February instead.