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I’m from the US, and I moved to Canada for 4 years for work. As a young adults, my partner and I had revolving medical debt. Not a ton, but enough to make it annoying. A couple thousand here and there. It felt like I was always had a hospital bill that we were trying to pay off. When we moved to Canada it was weird for us because, just as another person in here stated, you just didn’t have to think about going to the doctor. I had major stomach surgery, we had a kid, we got monetary support for our other kid who’s on the spectrum to take them to therapy… We got gtube supplies, meds for infections… Anything we needed was covered. Not once did I think oh man, this is going to wreck us. Well, that’s not true, I thought that the first time I took my oldest to the doctor to get an xray because we thought they might have broken a bone, but that was just a thought and it didn’t actually cost us a penny.
Every time we went to our PCP, a specialist, or emergency, the only thing we had to pay for was parking and maybe a few bucks for pain meds. But each time we had to get pills it was less than $5 to fill the prescription. One of the kids fell and hit their head? Straight to the doctor. A cold that’s been taking too long to go away on its own? To the doctor!
Now we are back in the US, and I just paid off another medical bill because my insurance only covered a small amount of an ECG, because they wanted to check make sure my kids heart was strong enough to put her on medication, and that the meds wouldn’t kill her.
We should move to a single payer medical system.
My first kid was born at 27 weeks, and would have ended up costing us 3mill if they weren’t on Medicaid due to being born so early. My second kid we were living in Canada (due to my job) and basically only cost us to park at the hospital.
Growing up in the US and living in Canada for a while, I genuinely don’t understand why Universal Healthcare isn’t fought for more. I know it’s talked about but holy fuck, it’s so much better in Canada.
To comment on OP’s actual question, I have no idea how people do it.
We use Google Keep.