I have commercial insurance as well. It cost me about 70/month. It's more expensive but I wanted coverage for an employee and at least coverage for 6 kids as I have 2 of my own. I don't have an employee at the moment but I am considering getting someone to cover me if I need to go to appointments and such. Now I care for 4 + my own but what if a family leaves then I can be at peace knowing they will cover up to 7 children as the families overlap.

I think it is definitely worth it.