I'd argue that being an employee is less stable than you think it is in general, at least in the tech sector.

I had my own private PPO for a decade (geez!) at least, and the policy provisions were better than most employer policies I saw offered to me. Well, at least until the ACA came around and shook everything up a little.

I'm happy you're a happy 9-5er with zero business desire and that you are 100% risk averse. You are not the target of my comment.