If your wife is working and has health insurance, you probably both qualify for special enrollment onto hers. And as a neighbor said, Covered California (ie CA's Obamacare) will enroll you. The other thing that may help is you have 60 days to enroll into cobra. You can wait until eg day 55 before seeing if you used it, as long as you have the cash to float if something happens and you end up needing to enroll.

FWIW, SF Fire CU in the bay area has credit cards that charge 7.5% rather than the 25%-ish at Capital One or Citi.

Hope this helps in some tiny way.