"If you're making $140,000, you're going to have great health insurance."

I am and I'm not. This depends on your employer. Otherwise, one can spend tens of thousands on health insurance to maintain coverage. And it could be terminated by an act of Congress at any time. Worker's compensation is also a thing. Try waiting 8 months to see a doctor for repetitive stress injuries because you've changed states and no one wants to take your case.