The bills are going to be in your name and your only recourse if they don't pay will be to take them to court. As far as open enrollment, you are able to apply and obtain coverage from the actual insurance site. The 'open enrollment' really only applies to avoiding the fee on next years taxes or to get the subsidy. You are not eligible for the subsidy because you already have coverage and the same goes for the penalty. Cash pay is an alternative but does not help in the event of emergency. Please remember that you will need to obtain quotes from both the OB office as well as the delivering hospital, labs, ultrasounds, anesthesia, and any other charges that may be sent out(not billed directly via hospital/OB facilities). All cash pay options that I have seen need to be set up in advance.
I have been trying to apply online at the affordable care website. It takes me to the page where you add family members and then it wont go any farther.
My IPs lawyer is finishing the contracts now. We are just going to state that they are responsible for all medicals bills and go from there.