Health care problem, buying private ins in NJ. Shortfall of ACA

She has a good job. No Medicaid, no WIC no handouts. At 23 she is realizing how much the non working receive,that the working have to pay for. A good job is great but it still,stinks to be slammed with 1,000’s of medical,expenses and a new abay at the same time, when you thought you had insurance because everybody said the ACA covers maternity…oops. And when you have a job where you could buy insurance but, oops again, it’s not a qualifying event and you just missed sign ups. I suggested a birthing center and midwife…she didn’t go for it!