The point I'm making isn't that you can't get insurance, it's that the insurance you have changes every time you change jobs. At one employer you might be on an

The point I'm making isn't that you can't get insurance, it's that the insurance you have changes every time you change jobs. At one employer you might be on an HMO plan like Kaiser Permanente and be limited to their providers. But then your next employer uses Blue Cross / Blue Shield or United Healthcare and you can no longer use your Kaiser Permanente doctors. So you're not guaranteed continuity of care, and you might lose coverage for certain optional things if you change jobs. And your costs, which are nebulous to begin with, might change substantially depending on who your employer is. It's a crap shoot. Also you're not required to have insurance. The individual mandate was repealed a couple of years ago.