<human>: Provide a brief overview of the text.

She [25F] has long-term health issues, that are just now starting to be taken care of on her employer's insurance. Problem: She lost her job and while she has the option of continuing coverage through COBRA, it is very expensive as she now has to pay for the employee AND employer contributions to the insurance premiums. Any disruption to her healthcare coverage will prevent/disrupt her continuing to receive treatment in any kind of timely manner. We were fighting constantly and only since we both started receiving treatment have things gotten better at home (last 6 months).

**Option 1**: Suck it up and pay for COBRA continuation coverage. Pro: no disruption of care, easy. Con: expensive (~$500/mo).

**Option 2**: Go back to Medicare coverage. Pro: cheap. Con: terrible waiting times for the multiple specialists she needs to see, disruption of care, low-quality care.

**Option 3**: Get married for health insurance (free through my employer). Pro: Cheap (~$100 for courthouse wedding documents), easy, great benefits, very little disruption of health coverage. Con: Marriage, carrying a secret, feel like we're marrying for "wrong"? reasons.

**Option 4**: Figure out an individual plan with state health insurance exchange. Pro: cheaper than COBRA, less disruption of care than Medicare. Con: Still partial disruption of health treatment, headache of finding right plan, middle of the road expense.

Personally, I'm leaning toward option 3, but I wanted to get some feedback from people first. Neither of us wants to inform either family, but **we were discussing marriage before this happened**. No engagement yet. We've been together 3 years, living together the entire time. I feel that we've already crossed all the traditional "Do Before You Marry"-type things. We've lived together, discovered and are dealing with health issues, have a pet together, and have moved together multiple times.

Both of us have 5 digit student debt, and while I work FT, she has loans coming due in a few months and as-of-now, no employment.
<bot>: SO needs health insurance, I'm considering marriage for health insurance as the best of poor options at this point. Opinions?