Advice needed for current student that has brain tumor and wanting to get married

Please help me figure out how to start figuring out what will be best for my friend to keep getting medical care and health insurance. She is too sick to do research right now and I am a bit lost.

My friend is currently a full time phd student that gets insurance through her parents. She is 24 years old. She lives in Rhode Island.

She just got removed a very large brain tumor and has stage 3 cancer. She will be starting chemotherapy and will no longer be a student for now.

She wants to marry her boyfriend before she gets any sicker. He is also a full phd time student and has health insurance under his parents insurance.

If she is no longer a student does it matter in terms of keeping her insurance under her parents?

What happens when she turns 26 if she is still sick, unable to work etc?

What happens to her insurance if she gets married? Will she lose her insurance under her parents? Can she be covered under her husband’s insurance?

Can she get coverage as an individual under ACA while having cancer? She wants access to the best doctors around the country and the current ACA plans would not likely provide good coverage of out of network out of state doctors?

Is it best not to get married?

If married will her new husband be at risk for her medical bills if she passes away?

If he can pretty quickly get a full time job with health insurance would that be the smartest thing to do? Get married and find a job with health insurance?

Thank you for any insights or advice.

submitted by /u/truefforte
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