While this might be unusual, as I understand it, nothing really prevents you from getting your own insurance. Even if your health insurance premium were to cost $1000/month (which it likely doesn't), if your pay bump would be > $12k/year (+ tax) by moving as a SWE (which it probably would be), you could still go without a job for a whole year and still maintain your insurance. It would obviously be infeasible for someone in a profession with much lower income, but from what you said it sounds like it would be an option.