Life insurance with type 1. Experience - good, bad, ugly or indifferent?

Georgia doesn’t require insurers to accept individuals w/ chronic diseases, so they don’t. COBRA was expensive, but it ended last month. So, I am now “covered” by my employer. It requires generics, caps at $300 meds, $500 doctors/labs and $3000 hospitalization. Anyone know what the generic insulins are? Basically, w/ no catastrophic, if anyone really gets sick/injured and is hospitalized, we will be bankrupted.
I am noticing the difference in charges for lab tests now. You can mail in an A1c for $15. My insurance company–when I had good insurance—paid four times this amount, plus my copay.