Some of the things the commenters find surprising really aren't. For instance that starting a business when married is risky. If anything I think its exactly the opposite. My wife started her first (non-tech!) business about a year after we were married and a large part of the reason is that if she had done it while single, she would not have had health insurance. She's now on her second business venture.

A single data point to be sure, but it does lend credence to the idea that losing health insurance is a significant factor in people not quitting their jobs to go out on their own.