I had a ligament injury after a car accident. Without traveling more than hour (and I live in a major populated area), I could not get physical therapy for '8-10 weeks').
> urgent but non-life-threatening stuff is basically paid out of pocket. US has HSAs and practically everything is covered
As someone who lived in AU for 20 years, and in the US for 12, huh? I never paid more than $20 for urgent care in Australia. IF you have a HSA here, sure, you can pay your co-pay, which would be $20-40 anyway, with that, but most people don't have the luxury of a HSA. And if you're uninsured, urgent care here will charge you $200-300.
I had a ligament injury after a car accident. Without traveling more than hour (and I live in a major populated area), I could not get physical therapy for '8-10 weeks').
> urgent but non-life-threatening stuff is basically paid out of pocket. US has HSAs and practically everything is covered
As someone who lived in AU for 20 years, and in the US for 12, huh? I never paid more than $20 for urgent care in Australia. IF you have a HSA here, sure, you can pay your co-pay, which would be $20-40 anyway, with that, but most people don't have the luxury of a HSA. And if you're uninsured, urgent care here will charge you $200-300.