<prompt> Human: A month ago I made this thread.tl;dr- laid off from job end of January 2015- I am 34, wife is 29. I am a US Citizen. Wife is Thai National with US residency- wife was diagnosed with signet ring adenocarcinoma cancer one week ago- did not sign up for ACA when we had the chance reason: arrogance stupidity- we live in Missouri- zero debt- 99,000 left on mortgage- 450,000 in cash savings, investments, retirement- currently receiving 1800 per month in unemployment insurance until Aug 2015Where do I begin? This has been a devastating week for us. If anyone has ever needed a clear cut reason on why you would need to protect yourself when you have a lot of assets, just look to my situation. The folks in that thread were very kind and helpful. The advice was to apply for medicaid so I did, but received a notice that they wanted a list of our assets. Link to page.I was under the assumption that a list of assets werent put under consideration for Medicaid? What am I not understanding?I am likely not going to be eligible for medicaid. Im fully expecting that. It makes sense...Medicaid is needs based. Ifwhen that happens...1. What could I do next? 2. Is there private insurance I could buy? Would it cover a pre-existing condition such as cancer?3. Could I get on Obamacare without a job during the next open enrollment in November? Im considering trying to find a job, but there would be no one to take care of my wife--this is very hard for us because the USA isnt her first home and she is lost without me4. Would getting divorced just to have the life changing event to get on Obamacare really work? It feels like fraud to me.Additionally, I never got around to putting my wifes name on my bank account or retirement accounts. Does this mean anything for our situation? Could she rack up the bills in her name and declare bankruptcy or am I still responsible for everything? I am ready to pay cash for any and all treatment for her but we obviously have in our mind that we are going to survive this and want to ensure we have a future for ourselves. There is the possibility of going overseas to seek treatment but what if treatment takes such a long time? We prefer to do this in Missouri if possible but will follow the best path forward.Thanks so much for reading and providing any helpful input. My thoughts are all jumbled up here and Im sorry if I sound incoherent. EDIT - As of 2:49 AM CST on 6252015 - I just got off the phone with someone very kind on the ACA helpline. We figured out together that losing my unemployment insurance in August counts as a life changing event and therefore as of August 1 I am able to enroll myself and my wife into a plan. She is eligible for the full subsidy and will have almost 100 coverage for 40 per month. I am so happy that Im crying. Thank you all for your help. Youve all been amazing.Assistant: Get a legal divorce. This is an emotionally difficult decision, dont get me wrong, but its going to be your best financial choice. Being divorced would allow her to get back on obamacare, and it would shelter you and your assets and hers, too, if they remained in your account from the financial burden of her treatments. Even with healthcare, there are copays, and being sick is, generally, very expensive. Limited assets on her behalf would enable her to take less of a hit. You can always remarry after. Marriage is a financial decision. So is divorce.Human: I just brought this up to my wife and she just started sobbing. Shes very traditional and its difficult explaining the nuances of American healthcare to her. It just all seems so ridiculous to someone that wasnt bornraised in the US. This is going to be tough. Edit - this may not work. Someone suggested something I totally forgot about -- I signed a I-864 Affadavit of Support, which is essentially a contract with the US government while we were processing my wifes green card.Link: I cant copypaste the paragraph but its under How is this form used?Assistant: How long have you been married? If its been less than the affidavit requires, then yeah--fortunatelyunfortunately not an option. In this case, I would really strongly encourage you to get a job ASAP, so that youll have a qualifying event. That, or move back to Thailand as another poster suggested. Human: Married since 7132009, and she received US residency status on 8292010. I really appreciate your advice. It helps.  <response>: Its almost 5 years of having residency means she can apply for citizenship right now. Having that removes the support your required to give to her and she can get on a lot more support options. Consider it be a use it takes time to process the paperwork 