[logicalmind]

Same here. I've been a developer for years and as I've transitioned jobs I've met a number of really good developers. Any time an idea arises that would make a tempting startup I reach out to people I've worked with to solicit the opportunity to work on it together. Every time I've done so, the inevitable decline always has something to do with healthcare.

Once you're beyond your post-college years and have a wife, and possibly children, the risk of a startup suddenly includes the cost of healthcare and risk of not having any. All of us can make comfortable salaries and have money to take risks on our dreams and be protected from failure by incorporation. But that does not translate to the potential medical issues of yourself or your family which would lead to personal bankruptcy and future employment issues.