Only for lower income earners. A great health plan is $1k-1.5k/mo, which is crushing if your savings or excess capital are in the 5 digits or less.
If you’re financially independent or wealthy enough to be (independently) doing a startup or taking on a business venture, it’s a rounding error in the books.
You can raise capital so easily with any traction (seriously, if you have any credible paying customers at all YC will take you and that unlocks funding from everyone else). The cost of health insurance is negligible compared to the astronomical salaries of software developers.
If you’re financially independent or wealthy enough to be (independently) doing a startup or taking on a business venture, it’s a rounding error in the books.