How much is PPD rating schedule for %13 lumbar spine discs and knees, If my insurance company was putting me?

My children will soon be switching up to them on August 1. Does anybody out there have do they like it and this  insurance  ?
How do you get medical health  insurance  at 19 years-old?
"I'm likely to buy a car my Driver liscence is 24 months old having a clear driving history I'm thinking can I need to pay lots of  insurance  or just nominal according to my file