Wife is pregnant no insurance

[u/Sam3325]

Hello my wife is pregnant she’s due October 17th She started a new job last year where she has no benefits she makes $72k a year and I make 55k a year. She had insurance from her last job and I have insurance through my job. She was promised benefits but never an exact date so at the meantime I didn’t add her under my insurance thinking after the 90days they would give her the benefit package (big mistake) We’ll 2 month into her job she’s pregnant her job is yet to provide insurance they have said they don’t know when she will get benefits. She works 40-35 hours a week but on paper it says she’s part-time. We do not qualify for Medicare because we make to much just wanted to see is there any way she could get insurance or help? We do make enough but with all our bills and debt we don’t know if the hospital bill will be to much for us. Doctor visits isn’t a problem but knowing thousands of dollars could be billed to us scares us

[u/Starbuck522]

I figure she or you have to get a new job to trigger open enrollment.

No one should ever go without health insurance! You should have added her when her old insurance ended or she could have bought cobra from the old job or she could have gotten a plan through the marketplace.

Pregnancy and childbirth is cheap compared to other things that can happen to anyone with a body.

[u/Sam3325 → u/Starbuck522]

She was promised benefits she started as a 1099 then got hired but as part time and makes 35-40 hours a week. She has spoken many times to HR and supervisor but they have not given her a date when. It was promised once she got the job but hasn’t came we have been planning a baby for 3 years never came but came at the time she doesn’t have insurance

[u/deshay0629 → u/Sam3325]

When did she actually start the w2 employment with them? Does she clock in or log her hours on a timesheet? If so they should offer her benefits after 90 days. That’s typically when they do a lookback period for ACA compliance but each company does set that. She needs to press them about this.

[u/Pristine_Main_1224 → u/Sam3325]

I’d suggest that she email HR and supervisor with a summary of the situation. Ask again for clarification on the insurance issue. Wait for their response Then contact the Dept of Labor Employee Benefits Security Administration

[u/Starbuck522 → u/Sam3325]

I wouldn't go a day without insurance. Actually a day or up to I think it's 60 days you could have had cobra retroactively.

Like I said, cobra or aca insurance, until the insurance started at the new job. Oh, or insurance through your job. Any of those things could have been cancelled once no longer needed.

But,what's done is done. Now you understand better for the future.

Now you have few options.

Separately, congratulations on the baby.