I've worked with a number of people who lived and/or worked in the Canadian or British health care systems. Adding their stories to my up close view of Medicare, I think I can sum up their experience of living with these systems:
"It's great as long as you're basically healthy."
If you get pregnant, break an arm, or need some medicine, you're taken care of. You have nothing to worry about, and that, I think, is the origin of statments like "you don't have to worry about being ruined when you get sick."
But when you get real sick you have no idea what's going to happen.
But isn't that the case here? No. Here it's the case with some people. There it's the case with everyone.