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Especially when you get sick/hurt badly enough to not be able to work so you lose your coverage
Yes, but that only works if the person has savings to continue paying for premiums, or happen to get severance. Most Americans live paycheck to paycheck and most jobs don't pay severance.
Medicaid is the stopgap to get low income/wealth/unemployed and broke individuals continued health coverage, but not every state has medicaid expansion because Republicans are demons. Also, some states chronically underfund the administration costs and take months to approve coverage.
Affordable care act (ACA) is a middle ground of sorts that might make more sense depending on your financials.
That's what I figured, depends on where you're coming from when you lose your job.
That's what the "kinda" was meant to represent, is a bit more than a kinda though
I love forgetting to do the very last step of enrollment and only finding out months later when I pay $400 for physical therapy