Nah, the bills aren't huge--$257 and $181, respectively. I talked to kiddos' Dad today, and he sounded grateful for my proposal. He thinks the insurance plan is a great idea and I think we are just going to split the costs for both kids for the immediate future.
Older kiddo had a job interview today. You're right, sc, this might have been the right thing to happen. We can never know what's best for someone else or, often, even ourselves.
Thanks, everybody, for the feedback. Sometimes those sneaky fears hit us when we aren't expecting them.