<prompt> Human: I was offered a job at another company. To a higher position with better pay. While my wife was pregnant. We had planned out the timing so that I would be moved over and on new companys insurance before the baby was due. Recently, though. The baby came very early. 3 days after I put in my notice. The baby also is about to have surgery. While still on old insurance. But will most likely have an extended hospital stay. So the old insurance will cut off next week. And my new insurance wont begin until the first of the month. I am looking at 4 days uninsured. From the 28th - 31st. With a baby in the hospital. Additionally. My previous employer just informed me today. That Im not eligible for COBRA because they are a non profit related to a church. And it looks like for short term insurance. They can deny you on preexisting conditions. What are my options here?  <response>: Having a baby and losing coverage elsewhere are both qualifying life events. I would check again and see if you can register for insurance on the healthcare.gov exchange. Usually you will have 30 and up to 60 days to register for insurance after a life event happens. As the baby currently has insurance losing the insurance would be a QLE for the baby. Generally the day of the QLE is when the new coverage would start. I would check out this page of the healthcare.gov site: 