I bootstrapped two companies in my 20s. While living off savings to get going, $20k in medical would have been the end of that venture. I'm glad it's working out for you. I don't have hard data, but I suspect being so healthy you don't need a doctor favors younger adults without dependents. And being able to afford up to $20k without losing your business implies a certain amount of wealth before getting started. That matches the profile of most tech founders I know -- certainly all of the ones that bootstrap. I only managed to make it work because for the first one I was on my parents' health insurance and for the second I had COBRA and a funded HSA.
If we want to encourage people to start new businesses, some form of universal healthcare would be a massive catalyst. Starting a business is never going to be risk-free, but there's a big difference between risking your retirement or even your house and risking the health of your child.
If we want to encourage people to start new businesses, some form of universal healthcare would be a massive catalyst. Starting a business is never going to be risk-free, but there's a big difference between risking your retirement or even your house and risking the health of your child.