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To: Minyan Gal – yes in Canada you have universal insurance but in many cases – the wait is too long for it to do any good. My cousin was diagnosed with aggressive Melanoma in June. He was given an appt to start chemo for mid Nov. B”H he has a lot of money and has been coming to the U.S. for treatment – because waiting until Nov would have been fatal. So yes – we need reform in the U.S. but copying Canada’s model is not the answer. Neither is Obama care. I get insurance through my employer but have been contributing 7K a year towards it. Due to Obamacare – my premiums went up $2400 this year. And this is with a large deductable even if going in-network. An alternative is buying catastrophic insurance – which will not cover most routine doctor’s visits and has a huge deductable – but will cover in the case of C”V a catastrophe.