<prompt> Human: Around mid July I had an emergency room visit - My husband rushed home from work and took me to the nearby urgent care, who asked him to take me to the ER as they were worried I may have had appendicitis.My husband and I had just moved cross country as he was starting a new job, with him ending work with his old employer at the end of June, and starting with his new employer on the 9th of July. For the whole month of July, we ended up not having any insurance; his old company was too small for us to be able to use COBRA which we only found out after the visit, and we were unaware that his new employers insurance didnt kick in until August. I ended up in the ER for maybe 3 hours at most and racked up an 8k total bill - About 1200 for the doctor, 550 for radiology, 250 for the urgent care where I was there for maybe 5 minutes, had a doctor tap at my stomach and then was told to go to the ER and about 6k for the actual ER 3.6k of that being for a CT scan. We applied for financial aid but were rejected as my husbands income was too high, and when we called back to discuss an appeal, they basically said the only way wed get any financial assistance was if his income had changed. The hospital had no other ways to negotiate the bill or even reduce it outside of a 10 discount that was already included in the cost, just for being uninsured. They then offered us a payment plan with enough interest to add on another 1k to the bill. They wouldnt let us negotiate it other than that.For additional context; I moved to the US from Australia about a year and a half ago. I am not employed and do not receive any unemployment payments, Im still in the process of getting my green card and dont even have a bank account. I am completely financially supported by my husband. I included documents supporting and explaining this in my financial aid application.If we had to pay these bills in full, wed eat through all of our savings.I was able to put the radiology bill on hold until we figured out the hospitalER bill, and the bill for the physician is in review as I had to apply for assistance on that separately but I imagine Ill end up with a similar outcome to the hospitals financial assistance. In the mean time, we managed to get ahold of an itemised bill for the ERHospital but arent too sure where to go from there. Were at a loss now and arent sure what to do, so any help or advice would be greatly appreciated.  <response>: Has it been more than 60 days since loss of insurance? Generally, loss of insurance is a qualifying even that allows you to sign up for an ACA Obamacare plan, and it can be done retroactive to the day you lost insurance, but you must sign up within 60 days of loss of insurance. 