Ahhh, very true. I imagine it would be nearly impossible to get a plan outside of a company with $48k guaranteed outlay, since you wouldn't have coworkers helpi

Ahhh, very true. I imagine it would be nearly impossible to get a plan outside of a company with $48k guaranteed outlay, since you wouldn't have coworkers helping to even out the cost for the insurance company. I guess there are always government backed plans like COBRA for cases like that. I think the best candidates for startups are the ones who actually make the leap... everything else is accounting... best of luck to you!