[usaar333]

Out of curiosity, what is the large source of the disparity? I was aware you don't get as nice of a tax break (though that will become irrelevant when you are making no money). Individually, I'd be surprised if your family had to pay over $1,500 a month for everyone, which is pretty comparable to group rates.

[AlisdairO]

IIRC employer-bvased healthcare in the US is more heavily regulated, and allows for coverage of pre-existing conditions and so on.

[bzbarsky]

It's not that uncommon for the employer to pay part of the group rate, as far as I can see.

[usaar333]

Oh quite true, but then you can view it is salary. e.g. you aren't quitting a $80,000 a year job to do a startup; you are quitting a $100,000 a year job to do so.

(I find it hard to accept that a lack of free health insurance is keeping that many would-be entrepreneurs at their day jobs any more than a lack of free housing is. If you have some form of disease that keeps you from getting insurance, I completely sympathize (and I believe the health care law will solve that issue), but for most people it is just another cost to consider before leaving - like housing, transportation, etc.)

[muhfuhkuh]

Housing and transportation can't bankrupt you (unless it is some crazy circumstance that is so rare that most people can't possibly fathom). You can walk away at anytime from your home or have your car repossessed. You simply cannot walk away from your chemotherapy unless you want to die.

If we can somehow find a way to rein in costs of health services (perhaps by disincentivizing supplier-induced demand through price ceilings in both malpractice awards AND gasp healthcare service price controls a la Singapore, Japan, or Switzerland), we can get further away from our dependence on large corporations to employ everyone.