Sorry for not haveing been clear (and thanks for the replay) -- I was asking about the US, I am French and have a reasonable idea about the general European sys

Sorry for not haveing been clear (and thanks for the replay) -- I was asking about the US, I am French and have a reasonable idea about the general European systems. My main point was to undersatnd when (and if) the "in the US we get enough money to pay the insurance" breaks.