Sure, but that clearly falls into the domain of personal choice. If you make the decision to raise a family, you presumably do this with awareness of the costs

Sure, but that clearly falls into the domain of personal choice. If you make the decision to raise a family, you presumably do this with awareness of the costs, consequences, and compromises that are likely to result. You don't ask for cancer( although lifestyle choices do contribute ), but you do choose to say "I do", and either "Let's make a babby" or "Let's keep it", so this is not a material concern with regard to ethical consequences of availability of health insurance to startup founders.