Panicking, just found out my newborn is uninsured

Let me start by saying: I feel so dumb, and I’ve been panic-crying all morning about this.

I had a baby in May and due to the newborn haze, I guess, thought she had been automatically added to my insurance. I had been receiving EOBs with her name on them and even logged in to my insurance portal and saw her name listed as a dependent.

Fast forward to this week and I logged into my company’s HR portal and was surprised not to see any dependents listed. After many calls to my insurance provider, my (very large tech) company, and a couple local insurance brokers, it seems like we are out of options and simply have to wait for open enrollment and she will be covered in 2025. My company said very clearly: no exceptions past 60 days…and we are around 100. I feel sick to my stomach.

Does anyone have any other ideas of how I could get my daughter some catastrophic coverage through EOY? We are fine paying out of pocket for doctor visits, etc. We don’t qualify for Medicare and don’t have access to short-term insurance in our state of Washington. I just feel like such an idiot. How is it possible that I can’t even pay for private insurance??