My experiences:
We set up a private health plan at work. (i'm guessing your wife could do this as a contractor).
Costs a couple hundred to set up, and adds 10% or so to your expenses.
The upside is it can cover almost anything (including things health plans can't touch) and you pay for the expenses with pre-tax dollars.
Whether or not thats a good deal is just math.
Disability insurance is expensive as hell (or seemed to me) and I didn't do it.
By comparison, through my wife we spent about $1500 for blue cross health/dental and disability for 1 year (family coverage on the health/dental).
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