<prompt> Human: Im posting this seeking advice for what to do about healthcare coverage for my fiance and newborn baby. The title is pretty self explanatory. My fiance and I are unmarried, but had a child about 3 months ago. She has been employed the full year, but has been on maternity leave the past few months. Her leave is almost up and she has chosen not to go back to work. Her last day of work first day back from maternity leave will be November 1st, at which time she will put in her notice. She previously had healthcare through her job, but now that she is no longer working there we need to find coverage for both her and the baby. Year to date earnings for her at this job was between 20-25k.I currently have coverage at my job, but its not the best plan. There is a 5K deductible that must be met before it really covers anything so I basically pay out of pocket whenever I go to the doctor. I talked to my boss and I could add the child to my plan 160month, but since my fiance and I are not married I cannot add her. My yearly earnings will be over 100k.Ive heard Cobra is very expensive so I was thinking about signing her up for Obamacare at Healthcare.gov unless you all have better ideas but I had a few questions about how this all works.1 The enrollment site asks about her dependents. I was thinking it would be best if I claimed the child as a dependent since I make more I figure Id get more back. Does me claiming the child as a dependent effect my ability to get her and the baby a healthcare plan together? 2 I was going to originally claim my fiance as a dependent on my taxes as well, but the IRS site said I could not if she made over approximately 5K a year which she did. Shes quitting her job so effectively her income is going to be zero. Since she will be claiming herself with or without a child dependent shes going to look broke on paper. Will this allow her to qualify for a subsidy for her plan?3 I may be making too many assumptions here, but I assume if she qualifies for subsidies the baby would as well. Im guessing for the baby to qualify for a subsidy she would have to be claimed by the non working mother. In your experience, do you think I would come out ahead by claiming the baby and just finding a healthcare plan for her, or by not claiming the baby and having the baby included in her mothers plan and having the mother also claim the baby on her taxes?Edit: I feel this is starting to take a tangent into the direction of my fiance and I getting married sooner via the courthouse. I agree that this would allow me to add her to my plan and allow me to deduct both her and the baby on taxes. This is the simple option and the one Im most knowledgeable about. Im posting here trying to get information on what our options are if we were to not get married this year because ideally my fiance and I dont want to go this route if we can help it and this is the area that I lack knowledge in. Assistant: Go to the courthouse, have a small civil ceremony so youre legally married, add her to your insurance. Human: This is obviously an option, but Id like to hear some thoughts on what my options are while we remain unmarried since she wants to do a big wedding and get married for real at the actual wedding and we wont have time to plan that for this year.Assistant: You can still have a big ceremony and party whenever you want tohave the time and money to plan it. Literally the only thing that you wont do that day will be to sign the marriage certificate.Human: I get that. Its not her and our ideal scenario though. We dont want to rush getting married just for insurance.  <response>: Having a kid is a bigger responsibility than signing a piece of paper. 