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then she should have bought health insurance. You dont HAVE to have a job to have insurance.. you can buy plans on your own.
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But the problem is, those plans for individuals are more expensive than any other plan, and often are not affordable.
People are shocked when they leave a job, and COBRA allows them to continue to carry their insurance for a designated time and pay for it themselves - few realize how expensive it is.
I challenge you to do something. You're "young and healthy" pretty much, right? (may have a thing or two, or not ... ) This next week, call the three insurance companies here in KY, and get rate quotes for decent individual health insurance for yourself. Post the rate quotes to this list. Just go price it out, and honestly let us know if you could afford to pay it, or not.