You can work as an english teacher and get your visa through school.then you don't have to show 400k every year.that 400k visa requirement doesn't make any sense.how many married thai people have that kind of money just relaxing in their accounts🤣plus you don't need 400k to live in thailand.i have been here for 8 years now.and i can tell you that cost of living is just normal.this is just one of the unfair treatment of farangs by Thai immigration.married people should not be on visa in the first place especially married people with kids.i hope you get solution for your problem.good luck
Just go to AXA website and buy insurance package that will cover the lenght of yor stay.you will pay a few bucks.but the documents that you will print out will say the insurance covers up to $