[gruez]

>So there is no way to get affordable insurance to cover the gap in employment in a way that preserves cash reserves.

I fail to see how it's any different than "there is no way to get affordable housing/food to cover the gap in employment in a way that preserves cash reserves". I suppose you could argue that with housing/food your costs stay the same regardless of your employment status, but from a finance perspective it's still the same. There's no difference between losing a $6000/month paycheck and losing a $5500/month paycheck and $500/month in insurance subsidies.