All five members of the Wadstein family have Covered California's most comprehensive -- and expensive -- level of health insurance, even though the two youngest children are the only ones who need that kind of plan.
Zachariah, 8, and Zoey, 2, have a serious metabolic disorder, but the El Cajon family was told it couldn't purchase a benefit-rich plan for them and a separate, cheaper policy for the other three, said their mom, Christine Wadstein.