A lot of people these days (myself included) have chronic conditions that require ongoing regular doctor visits and/or medication. Even at a high premium level, insurance is cheaper than paying out of pocket (my maintenance medication costs $48k annually!).
I guess you could argue that that makes me not a good candidate for a startup... which is why I still work for BigCo, and work on my startup at night (N.B not the one currently listed in my profile).
I've got a friend that remarked on that once...he has Marfan's syndrome, which means that he has pricey routine medical treatments and the possibility of some very expensive emergency operations. He's working at Microsoft (despite being a big Mac person), and he said that one of the reasons why he chose to work for "the evil empire" is they have great health benefits, and no small company would be able to cover his health insurance.
Ahhh, very true. I imagine it would be nearly impossible to get a plan outside of a company with $48k guaranteed outlay, since you wouldn't have coworkers helping to even out the cost for the insurance company. I guess there are always government backed plans like COBRA for cases like that.
I think the best candidates for startups are the ones who actually make the leap... everything else is accounting... best of luck to you!
I guess you could argue that that makes me not a good candidate for a startup... which is why I still work for BigCo, and work on my startup at night (N.B not the one currently listed in my profile).