Canadians seem quite ok with having more than 1 car, a cottage at the lake, annual vacations, etc.,etc., but they balk at the prospect of paying anything towards maintaining their health. I believe some HMO's have annual plans in the $5000 range (or more granted). I have a friend in Denver that can get immediate care from his HMO including access to a specialist. No queuing going on. That is an area where Canada lags significantly in my opinion.