Until they experience a major medical event, survive and find shortly thereafter that they have been furloughed for "other reasons" because their insurance becomes too costly for the employer to afford.

Sounds like you need long-term disability insurance.

And a new job to afford yet another payment? Where do I sign????

PS: not me... family, friends & acquaintances who had spent decade(s) with employers and after returning to work able bodied only to be subsequently let go for reasons other than their abilities to perform their duties.

... unless you have a "pre-existing condition"

And that is what Uni Health Care addresses, supposedly. The caveat is, while insurance providers must cover PECs, it says nothing about how much they will charge. The systemic problems with for-profit/quasi-social healthcare were not fixed nor addressed(outside more welfare options), it just mandated more participants paying into the coffers.