 [ Symptoms ] about 5 days after being raped my gums started to swell do i have herpes [ Disease ] your wife should have been able to get another policy with some insurer in your state after exhausting cobra that is a requirement under hipaa laws in any case going forward she will now be guaranteed insurance    no one can be turned down starting in 2014 but at your income level there will not be any financial assistance from the government to help cover the cost and because you file taxes jointly her access to subsidies will be based on the 150k income you cited i would suggest you shop both on and off the marketplaces set up under the law take a look at healthcare gov which is the aca marketplace also shop your options on a site like ehealthinsurance com which will give you a broader list of plans from which to choose or find a licensed insurance agent to work with in your area at nahu org