re: Healthy Insurance Question

You have coverage. Likely your employer carries employee benefit liability for just such an event. If you had medical bills, you'd need to collect here. If you were subject to an IRS fine, I'd make the employer get something from the carrier that writes the EBL.

Now the cute girl probably doesn't know any of this, but I bet the owner, or risk manager if it's larger employer certainly does. If they don't know this stuff, they have no business owning a business, being a controller/risk manager or being an employer.