That is why I mentioned &quot;not tied to your job&quot; which seems, from my very European viewpoint, a bit saner. I heard at least one horror story of an expat who went to work in the US, got a cancer, lost its job, and then had to come back because he was totally uncovered. I don&#x27;t know the system well enough to determine if it was a total lack of precaution (and luck) on his side, or that was how the system was supposed to work.