[kevinburke]

I'd note that, if you are not making much money as an entrepreneur, you'd probably be eligible for a sizable insurance subsidy; I think anyone making less than $100k a year is eligible for some discount off of the insurance list price.

Seven years is a long time, especially if you want to get married or have kids or get credit or not pay a ton in interest. Note also that bad outcomes in this case will compound; you've had a catastrophic injury and now you have higher interest rates and everything else.