Small anecdote.When I worked in USA, I fell and broke my jaw. I could not go straight to the ER because I was leading an expedition along part of the AT.I went to the ER when I got back, I presented them with my insurance card, and they took x rays, and provided care.Then, I found out that my insurance would not cover this, because my injury was one covered by u201cworkers compu201d which is when your employer is liable for the cost of medical treatment based on their insurance for employees injuries at work.THEN I found out that I couldnu2019t claim on workers comp because you have to report the incident within 12 hrs. Which is not possible if you are trekking through wilderness with no means of communicating (this was pre mobile phones)After a YEAR of discussion and disagreement, I wound up having to pay for the treatment myself. Out of pocket. Despite having several million dollars worth of cover on my insurance. Despite not having done anything negligent.Several years later, I had occasion to claim on my medical insurance in the USA again. Again, I presented my insurance card, and received treatment. AGAIN I ended up having to have extended discussions with my insurer, who, in this instance EVENTUALLY covered the expense.When I am in the UK, however, I simply arrive at a hospital, get treatment, and go home, safe in the knowledge that, unless I need further treatment, which I also wonu2019t have to worry about the cost of, I need never worry about it again.I mean, OK the staff in USA were usually NICER to me (NOT always, I have received some amazingly kind and warm care in UK, even just as the visitor of a patient), but, the statistical outcomes in USA are actually worse, the faff to get anything covered even if you ARE insured, and the fact that unless you can afford health care in the USA you are deemed not to deserve any, means that no, I would much rather the UK system.