Are there any loopholes left???

There is no way you can beat the system, no matter how hard you try. It's a constant catch 22, an endless circle going round and round. You get laid off, wrestle with finances and health insurance options and then decided the COBRA option is too expensive, so option B, suffer and have no coverage at all.

Months go by and the government introduces a stimulus bailout plan., which take a huge load off and actually makes insurance affordable again! Everyone rejoices knowing their families and themselves could have health insurance again at a reasonable price.

WAIT!!! WHAT'S THAT???

You are now informed that the months you were "not insured" must be paid before you can begin coverage in the present time. So even though you're getting a discounted rate, you have to pay for the time you didn't even have insurance, time that has gone! Now this is the past really coming back to haunt you.

BOOOYYAAA! There is no way around this if you want health insurance. The government collects again and you're stuck paying the "discounted rate" and then some! I guess the house always wins.