I think most of us are lucky, myself included! I have never broken a bone and I don't pop pills for any medical condition. Insurance is one of those things that is good as long as you don't need it. Once you start using it they start questioning you about everything!
I remember when I went to MIT(Manitoba Institute of Technology), a couple buddy's and I were upset that the school President decided to put us into a dental and medical plan. It was an extra $50/term, which really isn't that bad. My one buddy was even on the news complaining about it!
But in the end I used the dental coverage and a few other things so it actually worked out pretty good. Medication was 80% covered, full dental cleaning and I think any major dental work was 70-80% covered as well.
One of my friend's was a nurse for the head surgeon here years ago. This guy did lung, heart transplants, etc. And would get around $250k for major surgeries. He implanted 2 lungs into this one girl and that was worth $500k. He was asked why he didn't go to the States and he said the medical practice insurance was too expense from everyone suing and he does just fine here!
Even though I complain about our system, being fairly healthy I think is a blessing. But I do feel for those born with major ailments.
My next question is, can you guy's write off medical expenses and insurance coverage on your taxes?