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Second, the brother just changing jobs wouldn't have lost insurance coverage. His coverage would have been transferred to his new employer's policy. The only way he'd have lost coverage if he was unemployed for several months and didn't or couldn't pay for Cobra coverage. Given his medical history, that would have been exceedingly stupid on his part - even if it would have been expensive. That is a very good reason why it is stupid to let employers be responsible for our health insurance. We should buy our own health insurance just like we buy life insurance, home insurance, and auto insurance. That way we wouldn't even have the chance of losing coverage between jobs.
Nice story, though...