I live in Canada. I have visited the ER probably 5 times in the last year with different kid ailments. I pay MSP about 30$ a month CAD and that covers me and my kids. I do pay out of pocket for medications but any visits to the doctor or hospital are completely covered. Work benefits covers 80% of the meds I have to pay out of pocket. I don't have to second guess when to go in I just go in when things get bad, no questioning will this visit leave me financially unable to feed my family and take care of my health in other ways. I just go in. I hope you guys get something better working for you.