Mihail, my husband is a former CPA, he also worked as a manager in insurance company for 9 years, he know more than we all in combined how

I doubt it, Julia, because you repeat after him so many wrong things. BTW, I also worked in insurance company - not very long though. If you husband knew something beyond his state, let's say, he would know that Europe, England particularly - very consistently copies the American experience in health care!!! Tell him to wake up! With all reservations, this system is much better overall.

If you want, I can find for you some materials from my course projects - official documents of the EU

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