Sorry I don't have advice for you. I married my husband immediately after nursing school because of insurance (not entirely, we'd been dating nearly 10 years). He got a new job so we moved, and in the 2 or so month period beteen the first and second, we had COBRA. The day after we moved, I ended up in the hospital for 10 days. I can't imagine what would have happened if we had decided there was no need in that short period. I'm really sorry for you guys. My brother and his wife were both given back injuries from a car accident (not their fault). Neither can work. It has been terrible for them. You will persevere, but it may not be pretty. I know it sounds silly, but you could also try to get donations from friends and family using something like ChipIn or something. It may not generate much, but I'm sure at times every little bit will help.