Hi there :) I wanted to clarify, I'm not talking about the quality of care. I'm talking about just the act of choosing which health care you should get and then keeping up with all the paperwork once you're sick. I've been outside of Canada for the past 12 years, but when I've gone to the doctor in the states for something as simple as stitches or a bad cold, I've always been amazed at how complicated it is in terms of bills and co-pays etc. I know that everyone things the system is so great, but I agre with you, it's not. It's ugly. People wait months for critical cat scans. Surgery is often cancelled or bumped. And patients regularly abuse the system rather than be proactive about their health. So in summary (sorry this got so long!!) neither system is perfect, but when I came to the states, I felt like I was just totally blind as I was choosing which insurance to get. I'd love to see someone fix the issue of helping people choose the right health care that's best for them, make best use of the FSA system, and manage bills / paperwork in a more efficient way.