Health insurance still is a factor. I have great coverage now, and have gotten predeterminations for things not-always-covered that are pretty expensive. Could I do that again elsewhere? Probably? Is it a guarantee? Not at all. Those predeterminations are worth roughly 18k a year for me, and the knowledge that future ones will be easier is another roughly 15k a year with things I know are coming. So any new job is starting out at a presumed 33k deficit on comparison, nevermind all the normal hurdles and comparisons. And good luck being able to find out detailed health insurance info pre-hire, much less individual coverage questions.