What it boils down to is that startups sometimes pay less than larger, established firms. It doesn't matter how you break down the compensation into salary and

What it boils down to is that startups sometimes pay less than larger, established firms. It doesn't matter how you break down the compensation into salary and perks. So while it's true that someone with a preexisting condition might not be able to take a job IF the compensation wasn't high enough, it's irrelevant whether the compensation includes healthcare or if it doesn't.