[patryn20]

I've been fully insured to the extent that insurance was available. Meaning that before the ACA I was generally uninsurable so large amounts of money were set aside and state high risk pools were applied to (those are a whole other can of worms).

As someone who has done this for fifteen years, my point is that anyone looking to get into this has to plan ahead financially for unexpected situations. Even with planning and insurance you can find yourself in a tough financial situation unless you consistently earn enough money to set aside large amounts for emergencies.

And for the love of god talk to accountants and attorneys about how to structure things. If you need access to funds rapidly you don't want to screw up your taxes by being forced to draw from penalized sources.