[rconti]

I could tell you had a specific story, as you alluded to the details in your original comment, but again, these are the exceptions rather than the norm. I get it; my wife was in a car accident that sent her to the hospital for a week, almost exactly a year ago. I've gotten the $200k 'denied' explanation of benefits paperwork from the insurance company (and no doubt the total bill ran over $500k), I've been threatened with collections over a $3500 ambulance bill and had to sign up for the payment plan while I spend all the free time i can muster faxing paperwork to and fro with various insurance companies. It sucks, it's inefficient, and it's simply setting money and productivity on fire.. but ultimately, there's a chain of responsibility. It's the at-fault party's responsibility, whether you have to chase after their car insurance company or your own health insurance company.. eventually it can and should be covered if you're at a good job, but good god it's a nightmare to actually deal with.

In the end, though, I don't consider health insurance to be a cost an in-demand professional would factory into a decision to move from Canada to the US.