I appreciate the explanation and differences of how they are in Canada. Our plan is destroying people because each year premiums have risen through providers by upwards of a 180%, so if you do not qualify for a substady you are getting hammered, which is most persons who do not have insurance through work. Also, bc this is killing the companies providing insurance in the states, most have pulled anchor because they are hemmoringing money. That leaves usually one provider that can be utilized. And if you do not sign up for health care your are penalized. So you are raped in alot of places if you get insurance as a healthy person or you do not get it. just a cluster F. lol