There are a lot of good responses to your question, sibling comments, but let me provide an orthogonal view: consider how many innovative companies are NOT bein

There are a lot of good responses to your question, sibling comments, but let me provide an orthogonal view: consider how many innovative companies are NOT being formed because worried workers cling to their generous big-company insurance plans -- plans which are so costly to buy independent that they are not real options. This is a major concern for me as an entrepreneur and parent.