This is why dissolution isn't some whopsey-doodle word. When there's nothing left, there's nothing left. If that is a risk, including in that is your private healthcare provision, leave this stuff up to the 20 year olds that don't have the health concerns. Coddled might be too diminutive of a phrase, but if it's a risk you can't live with by your life expectations, don't get involved. Pick another job on the market.
Now healthcare shouldn't be tied to employment, and it's not in my country. But this is the political choices of Americans in America. Not the fault of the individual companies who are subject to the system.
The whole issue with this premise is that someone has to bear the risk. There are no 20 year olds who know with certainty that they don't or will not soon have health concerns that require insurance. Anyone could be get hit with a car walking across the street or get a photon to break some DNA in their skin and cause a melanoma. 20 year olds are not invincible or always in perfect working order.
And yet, statistically, the vast majority will be healthy. And the ones with chronic issues should know where they need to be on how to manage it. It's down to you if how you want to live your life. Plenty of tech companies that aren't startups. Plenty of countries that pay less and have higher taxes that have the safety net. Pick your lifestyle and live with your decision. I did, took the risks, it didn't pay off, but I would do it again.
I don't think you understand how much money is in the bananastand here in the US. Even with a european tier safety net, its not like a huge tradeoff will be made. You could easily pay people the same and give them solid benefits to boot with just a little bit more taxation at the top end of the economy. People act like taxing rich people will scare them off, yet there are probably more rich people in California than in Texas or some other red state where they'd be taxed less presumably.
So move to Europe then. Enjoy your $75k/yr salary with 42% income tax. Other fomments in this thread are using $150k as a baseline salary of reasonable expectation. It's not a big deal to you after all. I on the other hand emigrated from Europe already and don't plan on returning. I make more here now per year than I did cumulatively in my first 7 years of work combined and finally have hope of not living with my mother for the rest of my life and can afford housing. And this is the "it didn't work out" timeline.
Take it up with your elected representative, healthcare should not depend on your employer. Convoy literally does not have money. That's why they're shutting down.
And you aren't being "let go" - the entire company is going under. If you are laid off and the company stays healthy, it makes sense to have some concessions. But if the entire business ceases to exist. I don't know why would you expect anything from it.
Wonder if it might make sense for the social safety net to include such a provision for workers of businesses that go under. If we're not going to have universal public coverage, might as well add provision for such an extenuating circumstance as that.
I love that COBRA isn't just paying the entirety of the health insurance your employer was paying (or partially paying for you), but an additional 5% fee on top of that.
Talk about insult on injury. Gotta love the lobbying that allows that.
Is that part of the contract that if the business is shutting down or laying people off that they need to continue to pay for things for you? I don't see why there's any obligation.
Now healthcare shouldn't be tied to employment, and it's not in my country. But this is the political choices of Americans in America. Not the fault of the individual companies who are subject to the system.