And in that circumstance you are allowed to maintain your health insurance (COBRA) or buy a new plan ("qualifying life events," which also includes things like

And in that circumstance you are allowed to maintain your health insurance (COBRA) or buy a new plan ("qualifying life events," which also includes things like marriage and moving). The comment you're responding to was alluding to if people could choose to not pay for health insurance until after they got injured or sick and then needed the benefits.