[cloudwizard]

My mother lives in BC. She is old and has had multiple problems. She has been in the hospital a few days every month for the last 4 yrs. She never pays anything.

My mother in law is in a similar situation in the US. It costs thousands for a hospital stay with insurance. My wife has spent a few hours every month arguing with the insurance company.

Our retirement plans are in Canada. There is no way that we can afford to retire in the US.