"You and me the responsible people who have insurance"

-Sorry, but that's an "irresponsible" statement. Some "responsible" people are uninsurable due to health reasons beyond their control..

"Why aren't they insured at work then?", you ask. Because they can be held back by a disability. The ADA also has evolved (thanks to lawyers and such) to narrow the scope of what is defined as a disability. Want to challenge that you were discriminated against because of a disability these days? 94% of the time the Corp. will win. Want to appeal it these days? 82% of the time the Corp. will win. Why do I know? I have lived thru it.