So, to pursue some things on my own time I had to negotiate a sabbatical with my company (which they generously allowed), so I could stay on employer health insurance.
If I wasn't able to do that, I'd be up shit creek, because there's no way in hell I'd risk my wife getting pregnant without health insurance.
I hope more and more people decide they feel no social obligation to things. Mass peaceful "law breaking" is really the best option, imo.