If one had been "continuously covered" through an employer, COBRA, or a private policy, one could have "forced" an insurance company to cover you. That was how I understood it four years ago. I looked into it, but never had to use it. I spent a huge amount of time at Ohio and federal websites.

I was terrified that I would be laid off. I had a diagnosis that might have meant huge premiums. I will never know, since policy has changed. I agree with your last paragraph.