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Should I go for private and cheap health plans?

I am planning to take health plans for my family. We are 4 members in my family, so a health plan means spending lots of money. I don’t want to waste my all month’s salary in this health plan, but want something that helps my family during critical time. I have searched a lot and came to know that, there are lots of private health insurance companies which provide cheap health plans, in which I have to pay for 2 people health insurance and other 2 members of the family will get the health insurance in free. So, should I go for them? How would I come to know that the company is legal or not?

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