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The US is more difficult because you no national health insurance.

Accident liability for healthcare are bucketed with health insurance, general liability insurance, auto insurance or workers compensation. If you hit a certain threshold with certain conditions, the insurance companies will try to pin the blame on somebody else.

When I had back surgery ($$$), they had investigators look into my background and called under various guises in an attempt to get me to say that I was injured in a minor car accident a few years earlier. Fortunately while I was present at the accident, I wasn't in the car (some dope slammed into my car in a parking lot). In the meantime, I was at risk of having care cutoff, as they refused to pay claims.



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