As someone who does live in a place with what you call socialized health care, I find it utterly bewildering that anyone would ever found a start-up starting from zero.
The cognitive dissonance of working on a silly web app while worrying about something as fundamental as my family's well-being in case of illness or accident: that would really, really tear me apart.
Oh yeah, let's leave it to the experts that are politicians and talking heads, right ? They're doing a GREAT job of discussing it rationally and improving the state-of-the-art knowledge about it.
[edit] Wait. You missed having yourself or your family getting sick. Or maybe you live someplace with socialized health care.