To play devil's advocate, there are different ways of looking at this. While in theory you're right, I'm not sure startup founders are thinking of their health

To play devil's advocate, there are different ways of looking at this. While in theory you're right, I'm not sure startup founders are thinking of their health insurance when they decide to quit their jobs. They are probably more concerned with immediate requirements, like raw shelter, food and utilities. But again, there's several ways to look at it.