Yeah you're totally right. In my freelancing days, I didn't need healthcare really, I was 22. That being said, I feel like a good software consultant can pull d

Yeah you're totally right. In my freelancing days, I didn't need healthcare really, I was 22. That being said, I feel like a good software consultant can pull down 250/hr, which probably more than compensates for healthcare. You'll pay more tax, and more for healthcare, but probably still come out ahead. So maybe that's the formula, work a corporate gig until you're a legend, and then become a consultant. :P