^ We will have coverage, I will make sure of that. If I get denied through the private insurance company then I can get COBRA for 18 months although it will be about $700/month. I can also go without insurance for up to 45-60 days (while waiting to be approved) and if I am denied or something happens, I can take my COBRA coverage which will then be retroactive to the day my employer insurance ended.
I hate this. Our healthcare system is so jacked, it's so expensive and it's stressful for us and we are not even living in poverty. We make too much money to get any government help, but we make too little to get good health insurance (or to even get COBRA).