Last year I tore my ACL skiing in New Zealand while there on a working holiday visa. After a trip to the physio I learned about ACC; a program that provides healthcare coverage to everyone within the boundaries of New Zealand if they are injured in any type of accident. At the time I was 25 and had just lost my American health insurance the month prior when my dad lost his job. So my options were to stay in NZ and have knee surgery done without having to pay anything out of pocket, or return to America for surgery and be in debt thousands of dollars. As a recent graduate I was not too keen on adding medical debt on top of my student loans. I was due to leave New Zealand in 10 days and had no intentions of staying but obviously I had to for the surgery. It took me a while to get over how insane it was that I couldn't return to my OWN COUNTRY to have surgery where I'd have my family to take care of me. Lucky for me I had an incredibly generous group of Kiwis who got me through this difficult situation, both physically and emotionally. -Kaylyn Hobelman