I just might have started one in the last year. I was between jobs over the Spring/Summer and developing pitches and prototypes.

Without going into details, health insurance is a big issue for my family. I looked at my options (I'm in the US) and there really aren't any unless my employer has insurance. I have no idea how insurance companies and employers ended up married like that, but if one wants to get/change insurance, the only option is to change employers. And it seems fewer employers offer it every year.

Then I landed a gig with a very nice place that has great benefits, including epic insurance. So, for this year, I'm here in a job that's about as far one can get from a startup without being a government gig and surprisingly happy about it. That's a big 180 from where I was 6 months ago. :-)