I haven't had any coverage in 3 years. It's not the end of the world. People who lose their shit over weird tail risks are missing out on the competitive advantage. You can compensate for the expensive doctors and prescription meds with more exercise and cleaner diets.

I always looked at employer sponsored health care as a sort of trap. I never got involved in it. Every insurance premium I would have paid has gone to a retirement, investment or savings account instead. One big open runway is a lot more useful than a bunch of smaller ones with weird constraints. The idea of a health savings account amuses me.