Have you ever had to buy the coverage outright, though? You can be insured as part of a pool much more easily than accepted for coverage as an individual applicant. I know your title was 'consultant' for a while - were you actually on your own?
I've also read some pieces on Kos about ill people getting fired for petty excuses if their company is penalized badly enough by the insurer - which of course is highly illegal, but that doesn't mean it's impossible, so I at least want to check that out - and then if they can't get into a new employer's pool before COBRA goes away, or can't pay for COBRA, they become uninsurable except by the state.
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I've also read some pieces on Kos about ill people getting fired for petty excuses if their company is penalized badly enough by the insurer - which of course is highly illegal, but that doesn't mean it's impossible, so I at least want to check that out - and then if they can't get into a new employer's pool before COBRA goes away, or can't pay for COBRA, they become uninsurable except by the state.