If her Employer has more than 20 employees...which it sounds like it does since they are terminating 30 employees, there is a federal law, COBRA, which requires the employer to notify your sister-in-law of her federal rights to continue her current Health insurance thru COBRA. Her employer is required, by federal law, to notify her of her rights to continue her health coverage within 14 days of the date she is terminated. She would receive this COBRA notification and then have the choice to elect (or sign up)for the COBRA coverage for up to 18 months from the date of her termination. She can elect the same coverage(for example if she has Medical coverage and Dental coverage for herself) or she can elect less coverage (just the Medical coverage for herself) ...the medical coverage would cover all her pre-natal and delivery and post delivery needs and any other medical costs. She can cancel the COBRA coverage in October when her husband can include her on his insurance however, in most cases open enrollment does not go into effect until the following year...he can add her in October but, she will not actually be covered until the future January 1, 2009, for that heath insurance plan year of Jan 1, 2008 - Dec 31, 2009. So, he will need to get a clear understanding of his open enrollment regulations to find out if that is the case. If she would not be covered until January 1, 2009 she can continue with COBRA coverage until January 1, 2009 and then cancel her COBRA coverage effective January 1, 2009 due to her health coverage included under her husband's coverage with his company. Her husband should also check with his company's Human Resources (HR) department... if he has the opportunity to cover her sooner under his insurance due to a "life changing status" ...the change of status of her health insurance because of her employment termination. This may be an alternative but strictly according to her husband's HR Health insurance rules. Meanwhile, the only difficulty with COBRA is the cost; it is not the same monthly cost as your sister-in-law's current monthly health insurance cost. Most of the time, Health insurance is automatically withdrawn from an employee's pay. But, since she will no longer be subsidized with the company's group insurance discount it will be more expensive on a monthly basis for the COBRA premium. So, I can't tell you what the cost will be but, normally it is about 2 to 3 times more expensive per month than what she pays for her current insurance coverage. However, if you price the medical costs of a delivery she may still be "saving" money with COBRA and unfortunately none of us know if there may be complications which would of course increase the out-of-pocket medical cost with no insurance but, would be covered under COBRA. Just let her know that this could be peace of mind to have COBRA coverage (no matter what the cost for this temporary time frame July or August thru January - 7 months) but that is a decision she and her husband should make. At this late stage in her pregnancy she already probably has concerns because of the termination of her job and does not need added stress of health insurance issues. Oh, sometimes a company provides a "severance" package when an employee is terminated which can include continuation of health insurance for a period of 30 or possibly 60 days and salary pay for that time period. Usually that is done to lessen the hardship during the time the employee is trying to locate a new job. However, this severance package is not a guarantee for all employers. But, COBRA, to continue health benefits is a guarantee as a federal law across the United States. If her employer does not offer her the COBRA benefit, the Employer can be fined, not only for not offering it to her, but, fined for each of the other employees which have been terminated and not offered COBRA. So, anyway I hope this gives you some insight to help her and her husband make some choices about what they will do and I wish and pray for a healthy baby and less stress on their family at this time! And you are awesome for reaching out for some answers to help them. Never change from having a kind heart and trying to help others! Good luck to you all!