Depends mainly on your health history. Startup founders are generally young and male, but not all are free of preexisting conditions. For those who had elevated

Depends mainly on your health history. Startup founders are generally young and male, but not all are free of preexisting conditions. For those who had elevated rates due to health histories previously, the new rates will likely be lower. For those with no negative health history, the rates will likely be higher. The new rates will be roughly a weighted average of the old ones, modulo noise. There are a number of people in both categories on HN, so it would seem to depend on the specific startup.