<prompt> Human: Hi there,So recently my GF and I have been really taking a look at our finances and wondering why we werent saving more with the amount of our salaries combined. When going over our bliss and whatnot, we found that daycare for the month costs about 1200. Her salary, after taxes and insurance, nets only about 1200. So with that information in mind, we had the idea of her becoming a stay at home mom for the time being, at least until the youngest 3 has entered a full time kindergarten. With how birthdays fall, its looking like about 3 years.So basically right now she is working to pay for daycare to work to pay for daycare, repeating of course. And thats not including the gas requirements of having a commute to work or the coffees and lunches etc. So in reality its probably a net loss at the end of the day.Heres the kicker that we cant seem to overcome. Health insurance. Since we arent married, she cant be on mine like 90 sure. We live in Michigan if that makes a difference. The kids are covered under mine, so thats not an issue either. We are really at a loss here. Shes up at the crack of dawn to get ready for work and take kids to daycare etc, all the while for what? To lose money? Seems crazy when I think about it. But that damn health insurance is the only thing keeping her there. What are our options? Obamacare? I know literally nothing about its requirements. Medicaid? I thought its only for low income, but would saying she is single and renting a room from me be morally wrong or even illegal? Would that even work?And I know that someone will go ahead and mention it. Marriage, but for various personal reasons we are forgoing that option currently, but do realize it would be an instant fix.So Im just looking for some direction, if anyone has faced this before and how did you come out of it. Thanks in advance.Assistant: If you share a home, kids and finances, why not get married?Human: To keep it brief, I was married before and went through an extremely messy divorce. The thought of marriage scares the shit out of me now. I know thats my own issue, but prolly something I should post on rrelationships about lol  <response>: Thats fair, just be warned, breaking up when this much stuff is intertwined can be more complicated than a divorce... At least with a divorce there are established rules. 