I am getting laid of in September 3rd and my daughter is starting college this fall.My husband is also covered through my current (NY state) insurance. All 3 of us will be without health insurance soon since I'll get laid off. If i apply for health insurance after i am laid off it may take anywhere between 60-90 days to get an answer. My husband is on lifetime medication. Is there anyway i can apply now or do I have to wait till my health insurance terminates which is September 3rd 2010?What if either of us fall sick & need medical attention or presription medication? Any suggestions/ advice?