You have to be honest on your financial aid documents.
If the father is paying for the health insurance, then that’s counted in the support they receive.
A $4880 EFC isn’t particularly high…it is just more than your family can afford to pay. Most colleges cost at least twice that and that’s only tuition. You mention the Profile. Profile schools will have a cost of attendance of 10 times or more of $4800.
Also, unless your college meets full need for all students, that EFC should be viewed as the minimum you will pay for college.
Are you a very high stats kid…high GPA, high SAT or ACT score?
How old is the kid who is no longer a minor?
@kelsmom can this kid include these kids on her FAFSA?