Am I screwing everyone by joining a startup company?

Background: I currently have decent health coverage for myself and my son via my employer (-10K employees). My son requires complex medical care and to date has made having insurance a life saver. Insurance has paid out about $3-5M the first two years but thankfully things have begun to stabilize and we don’t anticipate requiring the same level of care every year going forward. But still requiring support and services as needed that will probably be around 200-300K per year. I just checked and this year they’ve paid out close to $150K (some visits have yet to post).

Question: I’m considering a startup that claims to have good health insurance but they only have about 100 employees. If a complex needs person / family joins, how does that impact the rest of the company? Will the insurance deny coverage the following year? Will rates go up significantly?

Just trying to get a sense of how potential future colleagues could be impacted by my families situation.

Thanks!!

submitted by /u/BeantownBrewing
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