1. You might even be able to go with the same insurance company and pay less in the state of Ohio. If you buy insurance on your own, directly from the insurance company, and cancel the insurance from work, then the prices are totally different.
2. The comment about Section 8 does not mean what you think it meant. It meant that if you cancel your health insurance and you do not get other health insurance, and then something happens that makes the cost of paying for everything out of pocket very high (heart attack, cancer, etc.), then you will have to spend all your money on medical care, so you will not be able to pay your mortgage, and you will lose your home, and Section 8 housing will be the only type of housing that you will be able to get.
3. To answer your original question, the insurance you have now is not "how they all are". Some cost more and cover less.
4. Although there might be "better health insurance companies... that would charge less ", you do not necessarily need to switch companies. Simply getting the insurance on your own, without getting it through your employer, could make it cost less, even if you stay with the same insurance company.
5. If you get insurance through your employer, then the amount that is charged for insurance is based on the amount of use that the average employer makes, not the amount of use that your family makes. You are not paying a high price because of this insurance company. You are paying a high price because the other employees (or their families) use it a lot more than your family does. If you buy it on your own, directly from this insurance company or another insurance company, then the price will not be based on the other employees, so you may not have to pay as much.
6. The point to insurance is so that if something (heart attack, cancer, etc.) happens that causes hundreds of thousands of dollars of medical bills, you pay "only" ten thousand or so, instead of paying hundreds of thousands, or even millions.