>Living in Canada, I don't have to worry that a job loss means no health coverage.

I wouldn't be that smug; you're still one accident or one cancer away from destitution. The surgery may be fully covered, but you're shit out of luck if you're unemployed and need physio/cancer drugs.

I'm still baffled by the complexity Americans have to put up with, but we still got pretty large cracks in our system.