I keep trying to make this point to people when these topics come up, and it never quite seems to sink in. The whole "don't mess why my private insurance! We all love it!" sort of defense... Employer-provided insurance only benefits people who are in employment. Get fired? You're hosed. Need to move someplace and have to leave the employer? You're hosed. Get sick and can't work? Eventually, you'll be terminated from the employer and then... you're hosed.