In the UK, there’s one called Vitality. It costs about £26 a month.
It got recommended from the financial advisor when we were buying our house, and he has a friend with MS who also uses it. It’s a good deal, and you can get money off if you do certain things like exercise regularly.
I noticed you said you don’t smoke, but for others, it also reduces if you quit smoking.
Having a child may bump it up a bit, but depending on your financial circumstances, you may qualify for benefits for your children (child tax, I think its called), which will probably counter any increase in insurance costs.