Yeah, my oldest sister lives in the US, and she told me years ago that "Blue Cross" (is that right?) was outrageously expensive.
So the day job pays for medical insurance, or do you get free insurance as part of your salary package? I gave private medical insurance the flick when I left the regular army 6 years ago, the good thing here in Oz is that we have mandatory basic health cover (costs us 1% of our wage) which will cover most things apart from "extras" like dental and optical, so at least if I fall off my bike, they'll fix me! (oh wait, that's covered by my vehicle's third party insurance fee)
I think Sam would be in trouble, a lot of countries now won't allow you to immigrate after a certain age, due to the medical costs that the government will be liable for. Cheers, Terry.