Health insurance

So I received some bad news today.   DH's school insurance will not cover me or dd.  I am not sure why since insurance is manadated in MA.  What are other students with children suppose to do?  Go on MassHealth?  Ya, that is really effective.

So I have 2 options when dh quits his job and we lose insurance at the end of the summer.
1. go on cobra - this isn't really an option though unless we can find someone to pay the premiums which it looks like premium assistance for cobra stopped in August 2010.  I was hoping Masshealth would cover it, but for their premium assistance it looks like the person needs to be employed.
2. buy individual private insurance for myself.  This is probably what I will end up doing. I looked online and there are some plans as low as $200 something a month.  I found one I especially like by Neighborhood.  It is under $300 a month, has a $250 deducible for health and drugs separately, and though it has co-insurance after the deducible is met (35% for health and 50% for drugs) they both have an out of pocket max of $2000 for the year.  So one ivf cycle I would reach the max for both.
The other plans for that low of a premium had a $2000 deducible and then high co-insurance.
Hopefully this cycle works and I will only have to pay a low premium, but this will at least give me the option to cycle come the fall if I want to.  Of course this is if I can get the SSI and food stamps to help save on costs.  Also we can probably waive dh's student health insurance since he has masshealth.  Not sure if that $1134 is already included in the fees.  If it is, it will mean money back for us to put toward the private insurance premium. 

Now the issue just remains when should I enroll.  I found out that back in Dec 2010 MA passed a law to limit enrollment for private insurance.  Now people can only enroll from July 1- August 15 (it seems like a state that has a law that everyone must have health insurance sure likes to make it very difficult for people to achieve this).  Now I can probably be except from this due to losing a group plan.  So if dh's insurance ends August 31 then I can probably have 2 months to apply even though it is past the open enrollment period.  Also I read on one of the faq that self employed individuals can enroll any time because they are considered a small group even if they are only one person (boy do I really like the perks of being self employed).  If this is true then I may be able to apply for the insurance anytime I want.  Hopefully this also means I can stop it too at anytime.  I really don't want to keep it until July 1 of the following year.  I really only want private insurance in case we need to do ivf.  Once I have a baby in my hands I won't need it anymore.  Man, it is times like this that I wish we were fertile.  Then I wouldn't have to think about buying private insurance in case we need to keep doing ivf.