An example that demonstrates the difference compared with a place like Sweden is that if you are a pennyless student, you can't afford $360/month. That would make it hard to do a startup and still have health insurance.

As a student I would would have 10000 SEK / month ($1200), in grant and student loan. [1] You would expect to need nearly all of that in any of the town Universities [2] leaving nothing for healthcare. But in Sweden healthcare is nearly free (maxed at $120 for a 12 month period).

[1] http://www.csn.se/lattlast/studiestod/studiemedel/hur-mycket...

[2] https://www.kth.se/blogs/abhineet/2016/05/livingexpense/

[3] https://www.1177.se/Stockholm/Regler-och-rattigheter/Patient...