I'm in that situation myself, between an insulin-dependent diabetic and an epileptic toddler on my insurance. But overall the percentage of people, in my experience, who care about what the benefits will be like at a new job is tiny. Never been asked by someone we're interviewing, never been able to get any real info out of an interviewer or recruiter, etc. At the most they care about the coverage gap (how long until benefits start).

And also, how does that differ from "some individuals cannot afford to leave their job and take a chance, because of the risk that they will not have any money whatsoever"? Personally I think we could solve both of those problems (and plenty more) with "make employment terms public" (i.e. disclose compensation ranges, benefits & premiums, vacation, and so on).