<human>: Can you succinctly summarize the text in 1-3 sentences?

My wife is 25 and turns 26 in January. She is currently on her father's health insurance until she turns 26 as it is a much cheaper/better policy than offered on the marketplace. However, we just found out we are expecting a baby in early December and her father's insurance will not cover her maternity care (no prenatal, labor and delivery, postnatal, nothing).

However, we don't meet a qualifying life event to get other insurance so Obamacare doesn't help us. Having a baby counts but being pregnant does not count. She is not involuntarily losing her health insurance so until January when she turns 26 so that doesn't count either.

My insurance offered through my grad school is great but she cannot be added until my insurance rolls over at the start of the year because, again, she does not have a qualifying life event.

We called several OB offices and they say it will cost 15-20k out of pocket total for prenatal and labor and delivery. Postnatal and/or any complications after the birth should be covered because the government decides that then we are allowed to buy insurance. 

What options, if any, do we have to not pay 20k or so out of pocket? I thought we paid health insurance premiums to get health benefits but apparently not.

Thanks in advance.
<bot>: Pregnant wife is on her dad's health insurance until January, baby coming in December, no maternity coverage on her dad's insurance, no option I can see to get her new insurance until January.