Physical Danger
A software developer or an entrepreneur with a million-dollar idea may face little risk of physical danger on the job. Stress-related or repetitive motion injuries can be serious and, without some kind of health care plan, devastating.
For the inventor or innovative designer with a gadget or an idea for a faster, softer, safer, cheaper version of anything that helps you fly, dive, run, leap, dig, traverse, climb, construct, or destroy something faster, higher, stronger, farther, or more extreme, the physical danger is part of the job. Health insurance would be highly recommended.