&gt; if you&#x27;re expecting to be covered for an urgent emergency life-saving procedure<p>You will never be refused emergency treatment just because your insurance doesn&#x27;t cover it. That&#x27;s the law in the United States.<p>You will get a huge bill afterwards and there will absolutely be <i>financial</i> consequences, but not medical ones.<p>It&#x27;s illegal for a hospital ER to refuse you due to lack of sufficient insurance. The point is that you won&#x27;t die, so you <i>will</i> be around to come back and sue the broker. (In fact, insurance lawsuits are super common.)<p>Not to mention that we&#x27;re dealing with a hypothetical case where you <i>do</i> actually have insurance but it&#x27;s somehow insufficient (which, by the way, is unlikely under Obamacare). In that case, you would absolutely get treated, but your insurer would refuse to cover the bill and would pass it on to you. You could then sue Zenefits for misrepresenting the product and seek damages to cover the bill.<p>&gt; same insurance products requiring licenses as mentioned in the article<p>They&#x27;re not the same in that I&#x27;m talking about individual insurance and the article is group insurance, but that&#x27;s irrelevant to the point. If there are serious medical consequences to buying insurance without licensed supervision, I shouldn&#x27;t be able to buy my own insurance online.