getting steady work is critical. if work dries up, often everyone takes a pay cut till times are good again. some coops pay hourly, not salary, so subsidizing isn't a thing for them. for the ones that do salary, there is the temporary furlough route, but ideally there is savings for such eventualities. savings and / or loans can be used to ride out dry spells.
but generally speaking, coops are more stable than typical corporate businesses simply due to the lack of a billionaire class extracting profits and making big decisions on their whims. coops are democratic (even consensus-based!) so the coop does what is good for the worker, not the billionaire.
I think one thing people need to think about is that if we succeed in abolishing capitalism, then all medicines become public domain, no more proprietary formulas, and no more profit motive.
So instead of a few dozen or hundred scientists and business-persons figuring out production of medicines strictly constrained by maximum profit (industrialized automation, single point of manufacture, distribution, etc), instead, we'd have potentially millions of people looking at the science and working on sustainable, local, and easy-to-produce formulations that put people, not profits, first.
We need to understand that the reason medicines currently require complicated expensive machinery and huge supply chains is due 100% to the profit motive. That reality ceases to exist post-capitalism. We HAVE to learn to think outside of the confines of "capitalist realism."