I'm not gonna try and tell you it's perfect. But as someone from Québec who needed an emergency surgery mid-lockdown, I was able to see multiple doctors, spend a night at the hospital, got examined in every way necessary and received said surgery, along with morphine for the following days... And basically didn't see a damn bill. I had to wait a long time in the ER at first. Until it got worse they just told me to be patient. But from the quick estimates I did, this would've cost me maybe 10-15k$ in the US. Best case scenario. Scenario in which I then have to deal with an insurance company that bitches and moans about having to fulfill its part of the deal. And then of course they'd increase my premiums.