How do I Get Coverage for Children of Young Adults Under 26?

My son who is 23 is covered on our insurance policy and his girlfriend who is 21 is covered on her fathers policy so, their two children are left in limbo. They purchase insurance for them that costs $248.00 a month and has an $8,000 deductible. They can not afford it but it is all we can find for children only. What do we do? How are others doing this?

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