I think "bitter" is a rather mild reaction to the US health insurance system. The only aspect guaranteed is that the industry will eventually find a way to screw you over. Exactly how they screw you over, however, may differ depending on which state you live in, or in which state you happend to be biking in when Grandpa RV Driver finally knocks you off the side of the mountain, then drives off never noticing his handiwork. Depending on the intricracies of his insurance (or lack thereof), your CAR insurance back home (or lack thereof), no-fault law (or not) or a bazillion other random variables like who bought what coverage first and the color of your mama's left eye, you might not have any coverage at all. You might end up paying for the blood removal from Grandpa's RV side panel! Insurance companies and state legislatures hate bicyclists. Is there such a thing as bicycle insurance that would cover you no matter what happened, your fault or not, vehicle accident or not, no questions asked? That's what I'd want.

Note: I am not a lawyer.

That may be my only redeeming attribute.

Oh, I'm not an insurance agent either.