Assuming the average startup founder is under 30, this is effectively a non-issue. When I was 24, I got a high-deductible PPO that covered almost everything for $40/mo. That's beer money.
My point is moot if you're starting at 40, of course.
My point is moot if you're starting at 40, of course.
You don't ask for cancer( although lifestyle choices do contribute ), but you do choose to say "I do", and either "Let's make a babby" or "Let's keep it", so this is not a material concern with regard to ethical consequences of availability of health insurance to startup founders.