The flow of thought in the list moves from personal to church life, from domestic to official functions. Implicit in this movement is an important axiom: what one does or is in one's private life has consequences for the church.
You can use your health insurance in another state, it just depends on whether it will be considered in or out of network. If it is an emergency, most companies will treat it as an I network claim.
No, an employer can offer health insurance to one category of employees and not to another. Many employers, for instance, offer health insurance benefits to full-time workers, but not to part-time employees. Or they might offer health insurance to managers and not to hourly workers.