The premise that accelerators exist to help people "take the leap" is flawed. No one quits a lucrative job for a few thousand dollars in stipend, and health in

The premise that accelerators exist to help people "take the leap" is flawed. No one quits a lucrative job for a few thousand dollars in stipend, and health insurance wouldn't change this. People quit their jobs because the opportunity is too great to resist, whether financially or spiritually (hopefully both). People -- teams, usually -- join accelerators once they have already committed to making this leap, generally. If you're not ready to take that kind of plunge in terms of general salary, health insurance for 90 days probably isn't going to change that. In such a case, a good alternative is to join a well- or reasonably well-funded startup.