<prompt> Human: So heres my situation. I have a job as an office administrator, 14 an hour in south Alabama. Im the only full-time employee at my office so as opposed to offering group benefits, they reimburse me for an individual policy because they cant get a group plan for one employee. My wife was laid off at a bank in November, where we had insurance previously, so I had to apply for a private family plan, and its coverage began on Jan. 1, 2013. We werent trying, but my wife is pregnant and due on Dec. 21. As it turns out, our insurance policy doesnt offer maternity coverage for 12 months. Also, our income level is at about 150 of poverty level, so we cant qualify for Medicare in the state of Alabama. We qualify in every other state around us, because most states have a poverty threshold in the range of 185-200. But Alabama is set at 135. Alabama hates poor people, btw. Obamacare is going to prevent these maternity waivers as I understand it but that doesnt kick in until 2014. Also, we would have qualified under the PCIP high risk plans, but they ran out of funding in March and Republicans are blocking any attempts at renewing funding through the end of the year. Weve fallen through a crack. As I see it, there are very few options that will provide maternity insurance:1 Quit my job and go on Medicare until after the birth of my child. I have a very low cost of living 550 mortgage, low utilities, cars paid for, but only about 3k in savings account. My wife gets 200 a week in unemployment. I wont be eligible for unemployment because I work for a church wtf? We have about 30k in a 401k that I could take from if it was the difference in being homeless and making it. I would also be looking for under the table cash work everywhere I could to stretch our money. 2 Find a job with a group insurance policy as those usually offer immediate Maternity Coverage. However, the job market is not going that great and theres no guarantee I can find anything. Ive already started attempting to find a second job that offers part-time employees full benefits, but there just arent many of those. I know UPS does this, but theyre not hiring. 3 Ive thought about seeing if my job would cut my pay to a level that would qualify us for Medicare, but I really dont think they would go for that because theyre afraid it would look suspicious. Ive looked at the pay ahead options at the hospital, but thats going to be 6-7k up front and will not cover any other incidental fees that will be billed at the full pre-insurance marked up rate. If it is a complicated pregnancy c-section premature we could end up owing over 100k easily. Midwife is also not an option as they are illegal in Alabama. Im trying to think through this, and Im frustrated because Im generally very responsible and take good care of our finances. Our savings are usually much higher, but my wife has been out of work for 6 months. Does anyone have any advice or analysis of my options to help me make a better decision? Anything Im not seeing here that could help us out? Other federal programs or foundations that help with this? TL;DR I need a way to get maternity insurance for my wife but Alabama hates poor people.  <response>: Do you have a 401k? Maybe you could contribute enough to your 401k to lower your AGI to the medicare threshold. 