1) 2 friends had to wait over a year for gallbladder surgery.

2) A friend with autistic child had to wait 2 years for any type of therapy. He couldn't afford the $80k/yr for private care. Ontario has 70,000 autistic children on the waiting list for treatment.

3) Another friend had to wait several years to find a PCP in Ottawa, the capital city of Canada. He has a golf ball sized lump on his head and he can't see anyone without a referral from his PCP but he has none and no one was taking new patients. He put himself on a list to get the first PCP available anywhere in the city. After that he has to wait a year for a consult and who knows when surgery is.

4) Another friend had to wait 9 months to get an MRI for a pain in his neck. After that it was another 4 months to see a neurologist.

You don't pay in money but you pay in time and suffering.