- prescriptions: good, small minimal copay but can basically get whatever i need or ask for
- dental: good, annoying minor deductable but overall decent
- disabillity insurance: good
- life insurance: havent used yet and no forseeable dependants or stakeholders in that sort of thing but whatevs
- other medical stuff: havent used 99% of it but orthotics was awesome
So yes. Its usdefaultism
Sounds more like Canada to me. None of those things are covered publicly here, although we were making some slow progress on drug and dental coverage when we had a mildly progressive party sharing power.