The Canadian Healthcare Hoax

December 31, 202114 Comments


In my yearly rant posted December 2020, I proposed a new type of tax system that would offer greater disclosure, a more ethical approach to government expenditures, and a way to lower taxes yet accomplish more of what matters. One of those government services I touched on was the Canadian healthcare system. As a person who spends a fair bit of time in Florida, USA, I have become aware of a mythology surrounding USA healthcare services when compared to the (supposedly) “free” and (supposedly) “great” healthcare system in Canada. Today is the day for my 2021 rant -and I’ve decided to address the truths and myths behind the Medicare models in both Canada and the USA.

I will contrast and compare the benefits and myths behind the two models including costs and quality. My apologies for the length of this blog – exploring a Healthcare system is like trying to learn how rocket ships are made. As such, I spent more hours researching this topic than originally planned, and was still forced to condense what I learned to only the more important facts. Still, this is a lengthy blog! My wife feels its too long. So many of you wont make it through this writeup. I’m ok with that – it had to be as detailed as I could make it, as I knew there are deep seated beliefs by many Canadians in these myths.  So–Anyone who still wants to claim any of the myths noted below as “not myths” had better be prepared to counter them with some diligence on their own.

Read this Myth by Myth if you wish to expand your knowledge about the respected healthcare systems in North America. There may be lessons we could learn here to improve our poor world ranking in healthcare quality. If you don’t make it through the blog , here is the executive summary for the 4 Myths;

  1.  Healthcare is free and available to all people in the USA at any income level.
  2.  Healthcare is less costly in the USA than in Canada. Yes, you read that right.
  3.  Healthcare in the USA, or for that matter, most of the world, is superior to Canada in every significant way (wait times, available technology/ equipment, number of doctors, facilities per capita). The USA has a two tiered system. The “upper end” package is largely offered through employers and/ or purchased by higher income persons – it is typically not necessary – but it is an option should an employer wish to provide it, or someone privately wants to buy it (dentists, chiropractic, other benefits are included). The “regular” system covers most of the services we get in Canada – but at a superior level. 
  4. If Canada were to adopt a two tier system, it will likely not affect 97.7% of us and – will likely enhance the “regular” system if operated in a manner similar to the USA’s.  

In researching this subject, I spent considerable time contacting and interviewing independent healthcare insurance companies and agents who are involved with group plans in the USA, along with independent healthcare companies or agents who are involved with individual (non-group plan) insurance. I am grateful to Tom Cotton of Hugh Cotton Insurance who specializes in group/ employer plans. He helped me understand how the majority of working Americans are looked after. I’m also grateful to Pam Elmke of Florida Blue & Rogers Benefits Group who specializes in individual plan products. She was instrumental in my understanding of US plan types and how Obamacare works. My apologies to them if I misinterpreted any of the myriad of notes taken after our conversations. This blog is the result of my interpretations – and as such may contain inaccuracies – despite all of my efforts. 

As part of my research, I also spoke to numerous residents of Florida, who fall under the same healthcare system that the rest of America does. I wanted to know what they do for their healthcare needs, and I wanted to hear of their experiences within their system. Some were friends, others were individuals who I got into conversations with randomly, and some were residents in the neighborhood where I reside when visiting. I managed to speak with sole proprietors, retired people, and lower income individuals. I spoke with employees of companies with –  and without – group health plans. While there’s always more to learn when trying to understand an unfamiliar and complex system such as a healthcare program, I think I got a fair picture of the situation after speaking to the professionals (mentioned above) and users of the American system.

Through these conversations, I uncovered 4 Myths that have been propagated in Canada regarding the respective Canadian and USA healthcare systems. By discussing these issues, it is my hope that more Canadians might become aware of the true differences, and seek improvement in the Canadian healthcare system. Lets get started.

MYTH #1: There is no free healthcare in the USA

This belief, held  by some Canadians, is completely false. True, there can be a cost to companies or individuals who desire an independent healthcare package. But most employed and self employed individuals have a package provided or supplemented by a company. Individuals not covered at work can buy their own package. Can these individuals afford it? Yes! Low income citizens have a package provided with subsidies or at no cost through government subsidies. I’ll get to those costs and programs in Myth #2. But its important to understand that citizens who cannot afford a healthcare package still get one – and its free. Key word here being “citizens”.

What about residents in the USA who are not citizens?  Interestingly, even illegal immigrants (much to the chagrin of many American taxpayers) get free access to the healthcare system.  Anyone will get served if they show up in the hospital for any reason. It is accessible to all people in the USA, legal or not – healthcare card not required.  In fact, it is standard for non-citizen (residents) and even illegal immigrant families to attend physicians through hospital services. US law states that hospitals must treat any condition for all who enter the hospital. This includes everything from the common cold to child birth.

In many cases this taxpayer funded Medicare for illegal immigrants or “off the grid” individuals is a bone of contention for Americans. For example: As in Canada, a number of people in the USA are drug abusers (hello, Vancouver!). In the USA, addicts treated at no cost regularly for reoccurring conditions (except to taxpayers).  If they are pregnant, the additional complications associated with birthing are absorbed by the US  system. Apparently a “crack-addict” birth can cost up to $5million due to complications – vastly exceeding the cost of a traditional birth.

As with Canada’s “free” system, the “free” US healthcare service for non-citizens requires sitting around for hours waiting for service in the hospital. Myth # 3 goes into the differences in the two countries level of service. Its important to understand that these frustrating wait times are only imposed on non-citizens. US citizens of all ages and income brackets have complete access to an efficient and outstanding healthcare system that is vastly superior in quality – than is the Canadian system.  We’ll get to that in Myth #3.

The bottom line: One way or another, healthcare is free and/or financially attainable by every individual in the USA – citizen or not- without exception, at any income level. We’ll cover the logistics of these individual packages next, in Myth #2.

MYTH # 2: Independent healthcare packages are costly and unattainable by many US residents

To address this myth we’ll look at different scenarios. That is, a healthcare plan fully or partially covered through an employer, vs. a plan bought by an individual with no employee plan. We will also address deductibles and the Tax-deferred Health Savings Account.

To start, everyone in the USA can open a Health Savings Account (HSA) – although it is typically chosen by self employed or mid-high income people who do not qualify for Obamacare (more on that later) and who buy a lower cost plan with a high deductibility. Investopedia has an excellent writeup on how these accounts work, here. This is a little like a Tax Free Savings Account in Canada, in that it offers tax deferred returns with the assets held in the plan.  People choosing a high deductible plan can potentially use HSAs to save up to $8,100 per year in a tax-sheltered account. For both high income earners and those approaching retirement, the HSA can be a worthwhile vehicle for building a medical emergency fund. The benefit of this plan is that if an individual opens their own Individual Healthcare plan, they can opt for deductibles on their plan. In the case of a high income self-employed friend of mine in the USA, he has a fairly high deductible level against major surgeries and procedures. The deduction is much like the deductibility on your car – the higher the deductibility, the lower your monthly premium.

An example: My friend took a very high deductibility in his plan, the amount of which he has saved in his Health Savings Account. The Health Savings account can only be used against medical procedures. He is a very healthy 60 year old  – he rides a bicycle at a high performance level and has the body composition of a 20 year old.  So he figures that he has a lower than average probability of cardiac or other problems.  Given the lower probability of a health problem, he elected for a high deductibility against a major health problem or procedure. His premium, which could have been around $20,000 per year for a top-notch package (more on this later), is instead only a few hundred dollars a month due to this high deductible. Further, he is assessed as a non-smoker. A sensible part of the US healthcare program is to reward non-smoking individuals with lower premiums –  all non-smokers get the HMO package free or very cheap – vs. higher costs for smokers. Age and where you live can also alter your premiums (discussed below), although not immensely.

Most people choose a HMO plan. This plan is a package in that it dictates which healthcare services/ doctors/ specialists are available to the plan holder. Some people opt to have a higher cost  PPO package.  PPO packages allow the plan holder freedom in choosing their own specialists, along with more services and benefits.

But wait..what about the poor? Not everyone is like my friend insofar as personal incomes go. How do they afford a healthcare package?  Enter Obamacare (Affordable Care Act). All citizens in the USA have access to an excellent healthcare package. Again, the key word is citizens. The Affordable Care Act (ACA) was signed by President Obama in 2010. It aims to expand access to affordable quality health care to all American citizens. It does this via cost assistance for those with lower income.


The ACA is a tax credit/supplement. Americans estimate their income for the coming year. For example, if you estimate $50,000, you will get $200/month towards your healthcare premiums. If you earn closer to $13,000, you will be entirely covered by the ACA.  If you earn over $80,000, there are no credits. If you underestimate your income (you estimate $50k, but earn $80k) your supplement is clawed back.  Commission sales like real estate agents who have an outstanding year sometimes have this happen. If your income is very low / nil you can get a $1000/month supplement to pay for an HMO healthcare package. If you are 65 years of age, a citizen, and have 10 years of employment total during your life, your healthcare package is also free.  HMO healthcare package providers cannot charge more than 8.5% of your income if you don’t qualify for ACA credits.

Obviously lower income individuals will focus on the HMO package rather than the PPO option. In fact, most people use HMO packages unless an employer provides a healthcare package with an upgrade – much like with corporate healthcare packages to employees in Canada. The only real difference with the higher cost HMO package is that you don’t need a referral to see a specialist – you can book one yourself anywhere you like and the plan will cover the costs. HMO packages require you use a primary doctor who provides referrals to a specialist, similar to Canada’s system.  A PPO package may also include a few perks like massage or sports therapy. It may offer coverage for extras that fall outside of  reasonable necessities, like private rooms in a hospital, etc. But these extra benefits are not generally considered deal-breakers for most people to go with the more expensive PPO packages.

Before I am asked – it is true that individuals who can afford the few hundred dollars / month more for the PPO package might benefit over those who have the standard HMO packages. Canadians have a very strange mindset that being able to pay-up for something like this, is “unfair”.  Healthcare, to Canadians, is an essential “right” – one of the basics like food, water and shelter. Interestingly, if you have a good income in Canada, you can “unfairly” buy better shelter and eat better food than lower income people.  Food and shelter are essentials to life. But strangely, Canadians cannot buy the other essential in life –  a better healthcare package. To be “fair” (if that’s what you want to call it) – why not make everyone in Canada live in equally valued row houses and limit us to an identical daily food allowance?  This would ensure true equality in these three essential living needs – food, shelter, healthcare.

But I digress. The HMO packages are similar in services (but better in quality – see Myth #3) to the Canadian system.  Most Americans  tend to have the HMO package – unless a PPO is provided at their work. The point is, you have the right to buy a PPO package and be pampered if you can afford it and wish it in the USA. But its not necessary.

Insofar as company (group) plans – the typical full benefits PPO type plan is a little less than $700/ month for an individual, or $2050 for a family. This is typically covered by the employer, but in some cases the employee may pay 25% or 50% of the cost.


Canadian vs. US Healthcare costs

American residents get free healthcare just like in Canada, as noted in myth #1. However, unless they are citizens, their free healthcare is pretty much as bad as Canadian “free” healthcare – aka long waiting periods and lousy service.  I discuss the unfortunate reality of Canadian healthcare quality in Myth #3. Obamacare / ACA brings that quality up significantly for US citizens of all income levels.

So, lets find out just how “free” our healthcare is, and how the costs of an optional US Healthcare package (beyond Obamacare) compares to our situation. This section contains some math, and I relied on the conversations I had with the professionals noted above along with internet tax calculators. I believe they are correct but I can’t fully represent they are accurate or complete.  We’ll look at Canadian fully taxpayer funded healthcare vs. private healthcare in the USA.


Each State has differing income tax levels, but I am going to focus on one of the southern Republican governed states which tend to be lower tax places to live. I spend my vacation time in Florida, so its what I am going to use for this comparative. OK, lets take a reasonably well paid (not wealthy) person who earns $80,000/year.  How much is $80k after taxes in Florida?
According to an online tax calculator – “If you make $80,000 a year living in the region of Florida, USA, you will be taxed $16,700. That means that your net pay will be $63,300per year. Your average tax rate is 20.8%”
How much does a Florida resident pay in sales tax? Answer: Its 7%. Other taxes such as property taxes are on a community by community basis – much like Canada, so we wont make that comparison. Interestingly – interest on a mortgage is tax deductible in the USA. But we won’t calculate that here- even though it is yet another way that US residents pay less tax.
If we assume that the person earning $80k spends $47,000 on goods and services, he/she will pay $3300 in sales tax.
So – the Florida resident pays $16,700 income tax + $3300 sales tax in this example. The total taxes/ year = $20,000.
Lets assume that our friend is 50 years old, lives in a suburb and doesn’t smoke. He does not qualify for Affordable health Care supplements (ACA) because he makes $80,000. He wants a basic HMO package. His costs are $6800 per year (8.5% of his income). So – he’s paid $20,000 in taxes  + $6800 for healthcare = $26,800 per year.


OK – now lets look at a Canadian earning $80,000 using an online calculator.
Our Ontario resident earning $80,000 pays $20,300 in income taxes. If she spends $47,000 on goods and services, the 13% HST is $6100. Total income tax, plus HST on goods / services purchased = $26,400 per year.
So far, its pretty much a wash (Canadian vs. US healthcare + taxes) for this person. $400 difference.
But wait…
I didn’t include the vastly higher built in taxes on gasoline, alcohol, cigarettes, and other items in Canada! Ever buy gas in the USA?  At the end of December, gas in Canada was $1.40/ liter. In the USA, prices are averaging $3.15/ gallon in the central states, which is equivalent to $0.82/ liter. A car that has a 36 liter tank will fill up at $38 after C$ currency exchange in the USA, vs. $50 in Canada. Two fill-ups a month mean about $25 savings/ month in the USA, or $40 for US residents unconcerned with currencies.  That’s $300- $500 per year in savings in the USA. And that’s just gas at the pump – not in your home. Plus, our Canadian friend can’t deduct mortgage interest, and pays more for alcohol. The combined taxes and tax deductions add up to a HUGE differential for Canadians against their US counterparts.
So the difference between Canadian taxes with the “free” healthcare –  and the US taxes with a healthcare package appears to be next to nothing. Its clear that the  higher Canadian gasoline & alcohol taxes escalate the cost of living in Canada.  Natural gas and electricity are also slightly cheaper in Florida. Deductible mortgage interest, and benefits in Florida like free access to state parks, better garbage/recycling pickup (both weekly) and mail (7 days a week to your door).
More importantly – as your income goes up in Ontario, Canada, your marginal rate screams higher – up to 53.5% at the highest level! Florida has no state income tax, but Federal tax is 37% at the highest level. And that comes in closer to $300,000 in income, vs. only $200,000 in Canada. So your highest marginal rate is 37% which kicks in at a much higher level than Canada’s. Quite a difference from 53.5%. This higher tax level is reflected right down the line to lower income earners in Canada.  The marginal breakouts are vastly lower in Florida and many other states, as noted above. Had I done the above calculations for higher income people, the numbers would be staggeringly biased against Canada. Even in states with a state tax, its lower than in Canada. Below is a TD research chart of states who charge state tax (Florida does not)- which are still lower than in Canada.
In the USA, healthcare packages are a product, not a tax level. Assume you are earn over $80,000 (no ACA benefits), you smoke like a chimney, and live in a dangerous area for accidents etc,. But you really like your massages, and you feel you may require more services than the standard package. So you buy a full-PPO package with all the extra benefits.  This might cost you $24,000/ year. Don’t confuse this with the standard HMO package that most people get. PPO is an optional package that costs big bucks. That would be a strain on our $80,000/ year income earner to dish out $24,000/ year (unless its covered at work, which it often is…).  But…if his boss promotes him to Vice President, and raises his income to $250,000/ year – his healthcare package is still $24,000/year.  There is no penalty for success.
The bottom line:  Whether you receive ACA (Obamacare) supplements as a lower income earner or not, your healthcare expenses are generally lower in the USA (Florida, in particular) than those in Canada.  Especially when you consider the significantly higher taxes you pay in Canada on things like fuel, power and alcohol – and take into account the deductions like mortgage interest in the USA. And the gap expands in Canada when your income goes up through our exceedingly higher marginal tax levels. Canada has a massive success penalty – my American friends are Astonished at our marginal tax rates when I show them.
So- given the higher costs for healthcare in Canada, do you get better service for that money?
We’ll uncover some major differences in quality of care next!

MYTH # 3: Canadians get superior healthcare

I really should have placed this myth in the #1 category. Canadians are not only receiving inferior care when compared to US healthcare services–we are vastly below the rest of the developed world. As illustrated in Myth # 2, we pay the same or, more realistically,  more for our “free” Medicare in Canada than a healthcare package in the USA. So, for that greater sum of money, you might imagine that we would receive a superior service. Or at least a service that was on par with the USA – even if we had to pay more for it.


Here’s the facts – please click on the links for backup to these realities.

First, for our higher costing services, we receive amongst the longest wait times and slowest service in the entire developed world. I regularly ask my American friends, as I did with the healthcare professionals I interviewed, “If I need an MRI, how long will it take to get one?”. The answer in every case was “same day” to “a day or so”. The Fraser Institute posted recent figures in Canada as follows: “This year, Canadians could expect to wait 4.0 weeks for a computed tomography (CT) scan, 10.4 weeks for a magnetic resonance imaging (MRI) scan, and 4.0 weeks for an ultrasound“. In other words, keep suffering buddy, we’ll eventually get you assessed in a month, or two, or three. Wow!

What about seeing a doctor? Again, the average wait time to book a doctor is 7 days in Canada. This is optimistic in my personal experience. Most individuals cannot wait that long, and end up going into a hospital where, again quoting the Fraser Institute, you will wait an average of 4 hours for assessment. Similar experiences are found in the walk-in clinics.

And that’s just an MD. What about seeing a specialist in Canada? Again, according to Fraser institute 2021 study, specialist physicians surveyed report a median waiting time of 25.6 weeks. That’s the Canadian average. The chart above is 3 years old, and its only gotten worse. Now, Ontario specialists take 18.5 weeks to see you, while Nova Scotia specialists take 53.2 weeks! Yikes! Ear nose and throat specialists in Ontario, for example, take about 25.4 weeks to give you an operation AFTER you see them – which can take an initial 25 weeks, per above. That’s 50 weeks start to finish for a procedure in Canada.

In Canada, one of the longer waits is for an Ear Nose & Throat specialist. Contrast this to the USA Ear Nose & Throat Institute, which has locations in most southern states. They can usually book you for a consultation for the same day or within a few days, and entire procedure dates are booked exceedingly fast (1-2 weeks).

So – waiting times aside- do our uber-high taxes cover paying for leading edge technology, hire lots of good doctors, and supply plenty of hospital beds? We pay the big bucks, so after waiting a ridiculous amount of time for an appointment or procedure, do we at least receive leading edge high quality Medicare?

‘Fraid not…

A brand new survey came out ranking Candida against 28 countries just as I was writing this blog. Out of the 28 countries, Canada ranks 26th in terms of the number of doctors, 14th in the number of nurses, 25th in the number of acute beds, and 24th in the number of psychiatric beds.

Canada is also behind on medical technologies and equipment, ranking 21st out of 24 countries in the number of magnetic resonance imaging (MRI) machines, with 10.5 MRI units per million people. It ranks 22nd out of 26 countries in terms of CT scanners, with 15.2 scanners per million people, the study found.

As for patient wait times, the study ranked Canada last among 10 comparable universal health-care countries, with only 38% of patients waiting four weeks or less to see a specialist (62% wait longer than four weeks!).  62% of patients wait four months or less for elective surgery (38% wait longer than four months!).

So Canadians wait longer for world-lagging service. Who says you get what you pay for?!?!


A real life comparison

I could rap off numerous cases here, but one that comes to mind of late is the case of my younger brother, who’s wife had an accident that caused considerable damage to her spine in certain vertebrae. In a similar timeframe, an American cycling friend (also a woman) also had an accident which caused considerable damage to several vertebrae in her spine. Ironically, the injury was almost identical between the two.

When my brothers spouse finally saw her doctor, she was directed to get an MRI…in 2 months! From there, they would determine required action and proceed. According to Health Quality Ontario, the average wait time for surgery is between 28 to 75 days- depending on the surgery. Wait times differ province by province, but we are not talking about dramatic differences – so we’ll go with the Ontario figures. This wait period is after assessment. Recall that this case involves an initial doctors appointment (which took 7 days to book), an MRI 2 months later, and then a follow-up assessment appointment with a specialist. Medical wait times in Canada longer than ever at 25 weeks for specialists. Again, refer to the Fraser Institute study.

The math for my brothers wife (assuming she needs surgery) is 8 months of discomfort and suffering (her accident was in the spring and she is still suffering as I write this in December).

Back to my US friend – who had pretty much the same type of accident and injury. Her accident was also in early 2021. Her personal doctor saw her immediately after the accident. He assigned an MRI – which she got the next day. The specialist saw her 3 days after the MRI. She needed surgery to be done in two increments. Three days later, she had her first surgery! Two days after that she had her second surgery!  From the first appointment, to the MRI, then the specialist visit, then the 2 operations – my friend was recovering within 10 days after the accident.

My Florida friend did, in fact, get what she paid for when she bought her healthcare package. My Canadian sister-in-law cannot say the same.


MYTH #4: The Best Doctors delusion

Some Canadians fear that, were we to adapt an independent US-style option for healthcare, all of the “best doctors” would migrate into the paid healthcare system, leaving the dregs in the public system. This myth has two flaws. First, it assumes that you or I are currently dealing with one of the “best” doctors. You would need something beyond a casual opinion to determine if you actually have one of the “best doctors” right now. It’s hard to quantify if we  have a “best doctor” unless we have a quantitative model tested against a large enough sample size ( ie we study a large population of doctors and examine their cure rate percentages, medical education pass marks, etc). Since you and I would have a hard time assembling this study, we are better to use a statistical probability model to estimate the likelihood that we actually have a “best doctor”.

Before getting started on that probability, I’d like to note that ALL doctors, best, worst, and average–have passed their exams and have achieved pretty high standards to be awarded that title. This ain’t night school cooking lessons, folks. All doctors have a pretty high level of training and education from the start.

But, true to all things in life, there is something called the “Bell curve”. Basically, the Bell Curve shows us that the vast majority of any group falls into a range that is pretty close to the median level of competence. The “average” doctor will be competent to that level within a tight range.  Less competent, or more competent, doctors only vary by a little bit in their competence. We call this variation a “standard deviation”. The vast majority of doctors will vary in competence within 2 standard deviations of this middle level of competence. It is only a very select minority of doctors who will fall within 3 standard deviations of median competence – i.e. very incompetent, or very competent. Hence the look of the bell curve, below. In this “normal distribution” model, 68.2% of all doctors are within 1 standard deviation of competence from average, and 95%.4% of doctors are within 2 standard deviations of average. This means that only 2.3% of doctors would be 3 or 4 standard deviations of the average on either side of competency. If we say the right side of the curve is the ‘best doctors” side, you have a 2.3% chance of having one of them. You also have a 2.3% chance of having an inferior doctor. But again, the standards are pretty high just to become a doctor. So even the 2% of the population who deal with the low end of the doctor-curve – its still a high bar.

So – to kibosh this ridiculous myth once and for all. Its true, the “best doctors” probably will migrate to private healthcare. But statistically, the likely reality is that your current doctor is NOT in that super-doctor group. You have a low single-digit percentage chance of actually having a “best doctor” right now!  You may be convinced your GP is superior to others – but that is an opinion, not a fact. The greater odds are that they are average. Its like driving – most people think they are above-average drivers. But of course, that is not possible. Same with doctors. Most doctors, by statistical probability, are not in the “best” group. Statistically, that means you probably deal with an average doctor right now, and a migration of super-doctors to private healthcare has a 98% probability of not not affecting you.


By examining the mythology surrounding our respective healthcare programs – and learning lessons from the US system – including the ACA – might enable Canada to move up from being one of the worlds worst healthcare systems into a system that might actually justify its greater costs. There is nothing wrong with a system offering greater choices. Just like with other essentials like housing and food, it can be both a matter of budget AND personal preferences as to where we spend our money. That too, can take some of the pressure off of the standard healthcare services.  Canadians have long been brainwashed into believing a simple concept:

Canadian system = good. US system = bad.

This, without ever examining how the other system actually works. This is like growing up in a country that only has low quality vanilla ice cream made out of frozen vegetable oil. Everyone is brought up to believe that this is the only brand & flavor that is good.  They believe other flavors or brands are bad. This, despite never having tasted another brand or flavor.

If they ever got the chance to try Hagen Daz praline’s and cream made with real cream! But, they’ve been told that Hagen Daz is poison, so they stay ignorant and eat their frozen “ice desert”, thinking its the best out there.

The point of this blog was to challenge some of the nonsense I hear regarding the US vs Canadian healthcare systems, and to encourage active discussion surrounding improving Canadian wait times and health choices. It is clear that the current Canadian government is hiding the facts regarding our inferior healthcare system. Its less about doing what’s right, and more about an effective political tool that plays into the fears and ignorance of Canadians. In fact, Trudeau has used the “threat” of private Medicare while spreading falsehoods – as seen here and here. This, without bothering to explain (assuming he even knows) how a successful private system with income supplementation is a superior model to Canada’s. Wait times, doctor availability, and access to technology are factors conveniently overlooked by socialist politicians in Canada.  Trudeau recently claimed that a private addition to our healthcare would only “benefit the rich”. Ironically – if you know anything about our entitled rich-boy PM, this is one guy who has almost certainly never had to to sit in a walk-in clinic for hours, or been put on a list to see a specialist for months in the future. You know – like the rest of us.

As a final comment – I am not exaggerating when I say that my greatest fear in life is facing a major health or physical ailment and deal with the Canadian medical system. Too many clients, friends, family and neighbors have relayed the length of time they have had to suffer while waiting for service after a debilitating injury or health concern. My immediate family has had very disturbing experiences surrounding the failures of our healthcare system that I haven’t described on these pages. They would read like fiction if I relayed them.

Frankly, for the money we pay, the Canadian healthcare program is absolutely unacceptable on every level. Something needs to be done. Now.

I’m back next week with my usual Technical Analysis of the markets.

Happy New Year to all of my blog readers!





  • Thank you for taking the time to write such a detailed blog. I agree with most of your points but definitely not with some of your vocabulary choices.

    • Most Canadians are taught by government subsided media that the USA system is a mess of red tape and greedy insurance companies charging high premiums to the poor.

      In contrast the Canadian system treats everyone fairly.

      Of course it’s not true and people that read beyond the headlines know this.

      One thing in particular that bugs me about the Canadian system is that there are no incentives whatsoever for a person to adjust lifestyle to stay healthy (ie quit smoking). At least the USA does some if this.

      And we all have heard stories of relatives getting much faster treatment in the USA than Canada. My mother a few years back fell in Florida and needed an MRI. My dad was shocked how fast they checked her in and had the MRI done. It was in a matter of hours.
      They had the appropriate travellers insurance which was not expensive.

      Living in Canada is becoming exhausting. Too many people drawing a government paycheck.

  • I am so glad you wrote this article. I have had the same opinion on healthcare for years. Canadians have been brainwashed to think our healthcare is superior to the US but that just isn’t the case. We are supposed to accept long wait times for services as the norm. It disgusts me.

  • Thanks Keith for nailing it down, what I suspected for a long time. My mother spent several 6 hour waits in emergency for heart/ stroke issues last year before she passed. Months of several doctors and specialists later, no diagnosis or conflicting diagnosis. Result: Poor to no treatment and succumbing to the condition. Dale

    • I’m sorry to hear this Dale–and you are not alone–we’ve had some experiences in our own family that echo’s your own.

  • Keith, that was amazing research! I read it all and all it took was 2 cups of coffee!! Not sure what it will take for Canadians to get beyond the belief of how amazing our health care system is. You just have to look at COVID I guess. IMO, one of the reasons we locked down so quickly after each wave is because we had no way of expanding our ICU beds (no actual room, few nurses and doctors to service). In Florida, where I also own a home, they had the ability to expand fairly quickly and as a result, they could keep business open and operating.
    Anyway, I am off to Florida (Sarasota) in 2 days and look forward to seeing emergency room billboards along the highway that tell you how long you will currently wait that is measured in minutes and not hours. Take Care and Happy New Year.

    • Yes Steve–yo have to actually live in Florida a while to know the truth

  • Epic Evaluation.
    100% agree with everything Keith has said based on my experience and knowledge of tax and healthcare systems in both countries. I could go into details about myself as I have deep experience on both sides of border wrt medical and taxes to make that statement.

    Many years ago I did a direct comparison of taxes between California and Alberta at a single income level. My conclusion, at that time, was by the time I added in ALL of the taxes (omitted sales tax since only slightly different) AND the medical premiums, it was balanced. Implying that we need to discuss level of services from our government and medical services as the differentiator.

    The US system is over-zealous, especially when you have good PPO insurance, but being more litigious they have to be. OTOH, my experience in Canada would make me wish theirs was more litigious as the system their doesn’t care (many many terrible stories to tell here).

  • Hi Keith, I liked your article and would like to know the truth!
    I sent your article to my grandson who moved about a year ago from NY to RI, so not sure if numbers apply to NY state or RI, or whether it makes much difference. Unfortunately his experience doesn’t help a lot as he is in the minority class with his expensive coverage,

    His reply –
    A lot of info to digest there, not sure I can read that many words…. Is there a twitter thread version?

    I agree there are a lot of options in the US, my understanding is you can definitely get good care for reasonable price. However, I think most middle class are on plans like we have where they are:
    1) Really expensive (I think my family is roughly 35k a year)
    2) Really good care (Michaela ICU, Harrison ICU/hip, Elliott head, etc.)

    My back of the envelope take is that healthcare professionals are incentivized to treat/test/etc. That is how they make money. So if they can justify it to any degree, they go forward. Which probably adds a lot of unnecessary cost. We could probably lower costs if the incentive structure was altered slightly.

    Not sure this means we have the best doctors though… Just ones that know how to run you through the system to make money.

    Not sure that is what you were looking for..

  • Keith, first off Happy New Year!

    Thank-you for the well researched Blog starting off the New Year.
    Scary, and an eye opener!
    A friend just sent this our way, no doubt you have already seen this.
    No surprise, and still we keep tightening these resources down more!
    Of course with less human resources to provide these critical services, since Omicron is taking people out of commission in the health industry.


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