Are there any additional medical insurance plans that I can buy?

Yes, she can buy regular health insurance through healthcare.gov or the exchange/marketplace for her state, and you can give her the money to pay for it.

It's not a particularly bright idea, because any type of medical insurance will almost certainly cost a lot more than the regular doctor visits and prescriptions would have cost without the insurance. The only real good reason for buying insurance is to cover hospital stays and surgery.

Here is the reality of your situation. It would be far cheaper to pay out of pocket for any expenses that she might have rather than getting an insurance policy to cover her. Any policy you find will very likely have a deductible amount that needs to be satisfied before the policy pays for anything. This means you are paying for insurance and paying for doctor's visits anyway.

Put your whole family on the new insurance plan. This avoids any penalties or fees from the IRS for not having insurance.

Now, your wife will be "out of network". This means if she needs a doctor, she pays "out of network" prices. This is still probably FAR CHEAPER than an actual insurance policy that she might not even use and even out of network expenses should still apply to YOUR DEDUCTIBLE.

Unless your wife has a major medical condition and you think she will have major medical expenses before moving to join you, there is no reason to try to find a different policy.

1. Many employers offer plans that are just for situations like these. They are not part of the regular open enrollment offering. So first, ask your new employer if there is anything they have that will help with this situation.

2. Since losing existing coverage is a qualifying event, she will be able to purchase insurance directly from the insurance company or your state's insurance marketplace. She has to do this within 60 days.

3. If she is eligible for coverage through her own employer but didn't accept it, she can accept it outside of open enrollment as part of the qualifying event.

4. If she wants to remain on insurance through your employer (COBRA) she can. This is for all individuals, not just people who have a specific kind of separation. With insurance costs since the ACA went into effect the cost is not that much different than you can purchase privately, excluding the 2% admin fee that companies can add (but most don't). You are limited to the rules that the company has designed vs when you purchase a private plan, you can get something that better meets your personal needs.

Aflac is NOT uinsurance. It DOES NOT cover medical expenses.

Aflac is a payment SUPPLEMENT, to pay you a certain amount of cash when you are ill so that your bills do not become past due.

Yes. She can keep COBRA coverage through your prior employer or she can purchase an individual plan in her current location. She can't do either of those things if too much time has lapsed between the cancellation of her prior coverage.