It's a bad pattern for the employee, but a good pattern for employers and the healthcare industrial complex. The possibility that you could be bankrupt if you let your insurance lapse is an enormous concern for employees that may want to leave but can't; much more powerful, and cheaper, than golden handcuffs.

COBRA is a joke, as if most could afford multi-thousand dollar a month bill when unemployed.

What that communicates to me is that those in power, both of the gov and of businesses, are primarily concerned with forcing productivity to make line go up than they are with incentivizing treating people humanely. But really I don't think that's so surprising considering the timeline we find ourselves in.