[mikesabat]

First of all, you're 23+ and ante-ing up in the big game so stop f-cking around. This means no fights, no drinking & driving and quit doing the stupid shit that impressed girls when you were 15.

This will seriously reduce your need for insurance.

If you don't have the stones to live with bad insurance (unless you have serious prescription needs) you probably can't handle the risk associated with starting a company anyway.

There are cheap policies that keep my parents from flipping out. I pay $37 a month through anthem.

[lupin_sansei]

What geeks fight/drink to impress girls?

[mikesabat]

I'd say that between the ages of 18-23 your chances of doing something stupid (fighting, drinking) and needing to file a claim should be much greater than your chances of filing a claim for legitimate and unavoidable reasons (tuberculosis).

If you eliminate the stupid reasons, do you really need to worry about insurance?