I just ran my numbers, the cost is about $2500/year for me (and this is with roughly the same Kaiser Permanente plan I have at work). That's about two months rent out here in the Bay Area. I've worked at three startups here so far, only one has had an older CEO with kids and the wife, so I think your numbers might be on the high side.
34 here, 32 yr old wife, newborn, Florida. $12k/yr. silver plan.
We're discussing me working remotely (all of us relocating) from Panama or Belize; same first world income without the requirement to buy US health insurance (requirement is waved if you reside outside the country for 330 days/year). Our costs then drop to $3k/year for family coverage.
As someone from the Bay Area, please tell me where $2500 will get you 2 months of rent. Unless of course you mean a single room with a handful of roommates.
The article is about small business creation in the US, not Bay Area tech startups (they use the term "startups" in the headline disingenuously as clickbait; people don't really say "I'm doing a startup" when they open an auto-body shop).
