I had a coworker that was employed with health insurance for 25 years, never used it. Got laid off and then right after COBRA ran out had something major go wro

I had a coworker that was employed with health insurance for 25 years, never used it. Got laid off and then right after COBRA ran out had something major go wrong. Had to get a second mortgage on his house to pay his medical bills. Seems 'unfair' to pay in for almost 30 years and have that count for nothing.