We have universal healthcare here in Luxembourg. The first time I went to the doctor with my son it cost €30 ($35) and all but €3 was reimbursed two weeks later. When I went to the pharmacy for his antibiotics it cost just €1.73. When I went to get a check up at my GP for my thyroid again it cost €3. When I went for my blood tests, which would have cost at least $2,000 in the US, they charged me €0. Both my children are getting orthodontic treatment which when I left Seattle two years ago would have cost about $20,000 per child if we were lucky. Here it will cost less than €1,000 out-of-pocket by the time we are done. We don't have insurance premiums, we don't have insurance cards with co-pays and different levels of service. Everyone is treated the same here. That my friends is what universal healthcare is like in Luxembourg.