[eszed]

Your "especially a young one" is doing a lot of work.

I anecdotally know a number of people, both in and out of tech, who would prefer to be independent contractors or small-business owners - in fields that they know well, and stand better than even chances of ending up with higher total compensation - but have families. Their fear of losing healthcare benefits (temporarily, whilst they get their businesses off the ground; or longer-term, should their businesses fail) keeps them working for others.

The sibling post about "calculated risk" is correct. The conclusion these folks have made (not to strike out on their own, under current circumstances) is likely the correct one, but it's a continual drag on total economic potential. Worse, this is a cost which isn't captured by calculations of what's currently spent on health-care, nor can be off-set against what a more robust social safety net would "cost". It is, nevertheless, considerable.