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Or would I end up having to add them to my plan anyway, which would pretty much cancel out the paltry amount of child support he's ordered to pay anyway? (He pays less than $300 a month to begin with).

As a parent who gets NO child support, I have to say comments like this bother me. A "paltry" $300/mo can provide (for your kids):

1. $100/mo EACH to college funds with enough left over for each kid to participate in one activity (dance, softball, soccer, gymnastics, etc)
2. Help pay for daycare
3. Help buy new furniture/clothes/what ever the kids need and have broken/outgrown.
4. Uniforms for activities.
5. pay for daycamps, school trips, etc.

Don't turn your nose up at the "paltry" $300.

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