Other commenters have done a good job explaining the healthcare system in America, but just as a fun extra: in some countries, you can just choose healthcare cover from a website. In Australia, for example, there is socialised healthcare and also a privatised system. For private cover, you literally go online and enter what kind of cover you’re looking for into a search engine that compares different healthcare companies, which will then spit out different rates. You can then click on the different companies and see their individual plans, and apply to the one you like.
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