[maxerickson]

Disability insurance is meant to kick in there.

(I'm not arguing that this actually works for everyone, just that there is a mechanism for dealing with inability to work)

[protonfish]

Wrong. Disability will make up for some lost wages, but does not replace medical insurance.

[maxerickson]

Or "wrong" because I just didn't use enough words. COBRA was passed in 1986, so given reasonable DI, medical coverage could be maintained.

ACA makes it that much more likely that coverage could be maintained.

I don't see how it is unreasonable to expect DI to cover a planned expense like medical insurance, but I agree that I didn't spell all that out in painful detail.