Let's look at the equations for Medica...

=IF(OR($Q68="Waived",$F68=" "),0,VLOOKUP($F68,AN$3:AO$54,2))

F68 is never going to equal " " (i.e. a single space) or even "" (blank) unless you modify the cell content (which I don't advise).

Also, it is stated that "waived" is to be indicated with a "w", so the equation should reflect that.

I don't understand what you are trying to do there. Do you intend to only calculate ages for those that are no longer going to waive coverage?

The equation for dependent children doesn't have to be a lookup since all the plans charge a certain cost per each up to three. Thus:

VLOOKUP($P68,AN$4:AO$54,2) can become MIN($P68,3)*AO$4

Other than that...I would definitely use tabs to separate your tables and get rid of the white space to the top left.