Exactly. And presumably the OP is young and healthy but as you get older you'll need a lot of doctor's visits for the entire family and if you want a GOOD plan,

Exactly. And presumably the OP is young and healthy but as you get older you'll need a lot of doctor's visits for the entire family and if you want a GOOD plan, not just some garbage one that barely covers anything, it's extremely expensive. But it gets to my overall point -- a lot of freelance devs like to bandy around big numbers like 250K without subtracting any of the costs or drawbacks. For some people I'm sure the tradeoff is worth it but on balance a good job at Big Tech Co to me seems like a better long-term prospect than freelancing forever. But it's just my opinion.