Lela you found a lot of talking points with  one exception, personal experience.  I have experience with emergency care in Switzerland, New Zealand and Canada. Not once was there any hesitation in receiving  care.  You pretend these other countries have things they do not cover. Wake up and read you own American policy and then tell me everything you discovered as not covered. I believe you will finds extensive list of things you might expect covered to be either not covered or covered with very limited maximum cost.  Almost anything classified as optional or elective care is not covered in many policies. So before you continue to post you should at least identify what care you believe is denied to the Canadians as I doubt they had a sign on their cars saying they were at the clinic to have a breast enhancement or penile implant.  I doubt you know for certain why those Canadians were parked at those clinics.