Agreed. I injured my knee lifting while in the US for a couple months, and while I technically had insurance I knew it'd be such a hassle to work it out in that brief period while I was there. So I just took some time off, hoping it wasn't anything serious. 2 years later my knee still clicks and grinds up stairs even after 6 months of free UK physio :-/ Preventable if I had convenient coverage and saw someone immediately? I'll always wonder. I think that also goes to this point I hear occasionally: because the US plan seems rigged against early detection and prevention, we pay great premiums for the costly treatment that attempt to undo that damage. Seems like a sensible criticism.