Healthcare is a good point, especially since good insurance outside of an employer is either expensive or requires a significant other with a job with good bene

Healthcare is a good point, especially since good insurance outside of an employer is either expensive or requires a significant other with a job with good benefits. In the scheme of things though, once you've incorporated and put yourself on payroll, health insurance becomes just a cost of doing business. If you're the type that thinks purely think in terms of maximizing lifetime earnings, or even lifetime impact, free health care won't make a dent in that. If that happens to be your thinking and you can afford SF or the bay, you're better off staying where you can maximize your income and impact.