The article on "supplemental" insurance is one-sided. It does not talk about the downside of buying insurance when one's employer already has provided coverage. Why would you need to buy extra insurance today if you are only going to need it 5 years from now when you start your own company? Also, why would you buy insurance for the whole year when you only need coverage for 15 days when you are in between jobs? The article does not examine these points.
