They're the same if you just put a dollar value on them. You can buy group insurance easily as a startup. Forget about everything else and just quantify it as

They're the same if you just put a dollar value on them. You can buy group insurance easily as a startup. Forget about everything else and just quantify it as money. In this case, you'd realize both risks when you start a company so the probability of the risk is 100%. You'd simply take the cost and multiply by 1 (probability) to quantify the risk. #1: as I wrote earlier, you buy the insurance and it's simply a fixed cost. #2: you have insurance so this point is invalid (you have access to cobra which is retroactive in case insurance has not been set up). #3: Again, you have insurance. I'm not sure why you're proposing to not purchase insurance because that's a completely different topic and discussion. My point was that the cost of insurance is easily quantified and is in fact much lower than the cost of not receiving a salary. It's about comparing apples to apples and honestly your argument really speaks to my original point that people tend to be overly emotional when evaluating insurance.