I’m an Educational Psychologist in the UK. I’ve been here for two years and moving back to the US tomorrow. To your point about therapy, it isn’t really discussed here at all, but I will say that there are people seeking the services. In true UK fashion, there’s a VERY long queue for CAMHS and it’s very common to hear stories of primary and secondary pupils that aren’t going to school because of anxiety. However, because the services are so hard to access, the support they receive is nil.
I take all of January and February off every year, working for a major US airline at full pay, after lots of years… Everything here depends on your company. I use to want to move to Australia or Canada for political purposes and found that I make 40% more than my Australian and Canadian counterparts. My social security pension is so much more than I could get in Australia or Canada. Health care for me is cheaper in the US than I could have in Australia or Canada because I’m a contract worker. Income taxes are so low here for people at my income level… Life is good… I’m usually in London every weekend. I love that city, but life is more affordable for me here… I hope you two make the best lives that you can here in the USA! Welcome home!
Thank you for sharing! That is really good and interesting to know. We say this a lot, often people outside the USA do not believe or want to believe this can be true. We also believe all these countries have different positive aspects, it is just about picking the right place. Thank you for your kind comments. We are very happy here.
I loved your video, very thoughtful and charming! As an American I think what you will find is a fairly deep divide between the educated professional worker and the hourly minimum wage worker. Full social security, good health care, 401k, PTO, and sometimes a severance package all come with good white collar employment. The guy bagging your groceries will often only have what is legally mandated - lousy health care (covers very little), smaller amounts of social security, no guaranteed hours or set schedules, and minimum sick days (maybe 5-10 days) which accrue over time (rather being given to you at onset). There is also a certain amount of "contract work" or "gig work" which has no employment benefits. I am often shocked how little a professional can make in Europe in terms of salary, but I always thought that the upshot was that the indigent are getting more support. That could easily be a wrong assumption on my part.... Also I would go out of my way to do Christmas in the East Coast - I can imagine Las Vegas being less Christmas focused but it tends to be huge in a lot of places - but technically the season does not start until the Friday after Thanksgiving. Thanks for the interesting video!
In my opinion, sports are not accessible from a young age when you live in the UK. In the US, you dont need fancy lessons to get good at a sport. In the UK, not even the tennis courts are free. You need to pay for everything, especially the sport facility, and there isnt a wide range of youth teams like US high schools
I'm American and my family starts celebrating Christmas the day after Thanksgiving. I always found Christmas to be very big in America. I now live in the UK, and from what I'm witnessed over the 20 years I've been here, it's not celebrated as much. And when it comes to any type of services, America wins out each and every time. I think your perception of some of these things are definitely the group of people you know. Not sure about excessive therapy there, I've never seen it myself. My husband is a UK therapist, and there are loads of people in the UK seeking help. The problem with the UK is everything is so overstretched and it takes forever for anyone to get any type of help.
You hit the nail on the head as long as you have employer provided health insurance. I've had no health insurance for the past 20 years. Never needed it. I had it when I was working, used it twice in 20 years. Vacation time is usually 1 week.
Airfare definitely was cheaper before the pandemic, but nothing like what you’d pay with the budget airlines in Europe. Rental car costs have shot up, too, courtesy of COVID.
Keep in mind. Social Security is NOT A PENSION... but was designed to be a SUPPLEMENT to your Pension and any Retirement savings! How much you will get from Soc Sec will be determined largely by how much you contributed over the years, and how old you are when you sign up to begin receiving distributions. Maybe things are different in Vegas,...but in most of the US Christmas is Very Well celebrated with lots of socializing..Eating, Drinking Parties etc Gaining a few ;und is VERY COMMON from the time of Thanksgiving through Christmas.. ...so I think you've got to experience more about Christmas.
I think Christmas is not a big deal in Vegas because you are in a desert, the least Christmassy area to be in. Same with Florida, it is not the same without snow.
Ok when it comes to holidays like Halloween , thanksgiving and Christmas it use to be a lot bigger prepandemic after the whole pandemic debacle where everything was shut down and couldn't celebrate hardly anything for 2 years its never went back to normal christmas was huge whole neighborhood s lit up and decorated whole cities too.
And this is why the US has more immigrants than every other nation combined. The quality of life (if you work full time with salary) is phenomenal compared to most other nations. Yet the world view is often times severely skewed compared to the reality.
as i already commented on a few of yer other vids i'm yankee but lived in the u.k. 2 1/2 years with an english gf. since y'all brought up the issue of therapy one major difference i noticed is that americans have no probs with it whereas in the u.k. it seemed to me that to a large degree going to therapy is "uncool" and even admitting that you need it is almost seen as a form of weakness. and yeah i did have various people over there comment on the fact the u.s. has more professional therapists than most other nations combined (in other words by far the most of any single country) and that that is somehow indicative of somehow being "spoiled" or "weak" as opposed to the whole "stiff upper lip" deal and how much "tougher" the citizens of the u.k. are as a result (implied not said directly). fact is in many respects the u.s. leads the way in terms of modern therapy and if anything the peoples of the u.k. need it even more than americans (horrible problem with depression over there) but, again, in the u.k. the attitude is just one of "suck it up and carry on" rather than admitting to the "weakness" of needing help. that is one major difference between the two nations i most definitely did notice.
Guys. Americans never take the train. We drive our car. The train fairs are astronomical because they have no ridership. If you do not choose to drive your car, we take the bus or the airplane. I took the airplane from Dallas to San Diego for $78. I rode the bus from El Paso to Indianapolis for around $125. But the easiest thing is to drive your own car. Come on. Americans do it.
I know this is quite a personal question. But seeing how you talk about the health care costs, I’m curious to know what you guys would say is a salary or combined salary that is suitable or manageable to live comfortably in the US? Also what are the mortgage interest rates in the US? I’m from the UK and live with my girlfriend we pay a mortgage and she is asthmatic so I’m curious what the health care costs would be for my partner with asthma and how much we would need to be earning to live comfortably in a house worth roughly $325,000 for example? Also from my experience I think when people refer to the health care costs in the US I think generally they are referring to starting a family like the cost of delivering a baby or needing an ambulance for example. We went to the Texas and Tennessee for 3 weeks last year on holiday it was incredible and I fully agree the people have so much better attitude and generally seem more happy than us brits.
Your going to need employer provided health care in the US. My wife and I looked into Obama care a few years back and in Fl it was running 500/month for a Silver tier plan for 2. That's 6K a year. I bought a house cash for 138k - solid concrete built home, 1300sq.ft remodelled it for another 30k doing the work myself - kitchen bathrooms etc. Those prices are long gone my home is now appraised for property tax by the county at 350k - thank goodness we are homesteaded. As my taxable value is 62k We've looked at moving to NW Arkansas or Oregon and can't find anything where we'd be able to remain mortgage free. I made over 150k per year when I worked 20 years ago - lived in a small college town where houses were under 100k, my first home was just 32k. I bought 40acres of land for 22k and designed and built a house for just 75k. Including paying the contractor to build it, permits etc. All the new developments around me start in the high 300's you'll end up at around 450k and will be facing a property tax bill of close to 7k per year. So you will need a big salary as mortgages currently run 7%+.
Great video and content. Do you have any experience of people who landed jobs in the US by applying from the UK? I'm interested and looking for opportunities, but do not currently work for a company with presence in the US. I'd be glad for your thoughts.
Hi Mike! Unfortunately no. I have never met anyone that has applied for a role from the UK and have been successful. In theory it could be possible, but I would imagine it would be for someone with a truly specialist skill. There are many reasons why this is unlikely or extremely rare. It is not realistic that a company would hire someone from the UK, when they have people here first. It costs money to relocate and time to get someone a visa too. Also when you are not already working for that company, there limitations to the visa type. If you are seriously wanting to move, we would suggest working for a company that has a US base. That gives you a chance atleast.
I got a job in the US applying from the UK. Took 3 years to get a P3 visa. Now retired and am trying to get a residence visa for France where the quality of life is so much better and homes are way cheaper, taxes lower etc. I even speak French.
So why do we see videos saying the complete opposite about Americans in other countries saying how costly medical insurance is and how it covers nothing. One girl says she was paying hundreds per month for insurance BUT in Japan $23 per month and this covers EVERYTHING. Heard many many similar stories
We always state that this is our experience. We are not saying other people with out medical insurance or a worse type of insurance do not pay more. We are simply speaking to our literal experience, and to the many people we have been around since moving here that do not claim their healthcare costs crazy amounts.
The national average cost of full-coverage medical insurance from a private corporation in the United States is $700 a month. Most Americans can pay that without blinking because the salaries are so high here.
@@Matthew_Loutner The salaries aren't really that high for most people at at all. 60% of Americans live paycheck to paycheck and $700 a month is not affordable to the average person, not even close. The federal minimum wage is still barely above $7 an hour. Also rent has skyrocketed in most of the country recently. Most Americans aren't rich, quite the opposite really.
@RebeccaThompson-o7d The term "living paycheck to paycheck" is a deceptive term. You can be living paycheck to paycheck while living in a mansion, taking your Lamborghini to the beach, and going out sailing on your yatch every weekend. I never use that term -- it is meaningless. Also, federal minimum wage is $7.25 an hour. The law was passed it 2009, and it is outdated. It is rarely used in the real market. In the real market businesses have to pay a living wage. Here are some examples from real life: Walmart is starting people at $15. McDonald's is starting people at $15. Panda Express is starting people at $16. Aldi Stores is starting people at $23. Bank of America is starting people at $25. That is not to say that some places are not still paying $7.25. Some are in some places. But it is very rare in the market. As far as salaries "not being that high," the median salary in the United States is $67,000, which is $5,583 a month.
@RebeccaThompson-o7d The median salary in the United States is $5,583 per month. They can afford their $700 a month insurance. And yes, Americans are "rich." The average home size is 2164 square feet. It is the size of house you own that determines whether you are rich or not. By comparison, the average house size in Spain is 1044 square feet. Americans are more than twice as rich as Spaniards. Minimum wage has nothing to do with anything. No business here pays minimum wage.
Hi from Scotland 🏴 I'm seriously thinking about moving to the USA, I'm hoping to get married over here with my missus in the next couple of years, Is there any insite to what it would intale for someone late 20s full qualified electrician and missus is a auxillery nurse. Any Information will be extremely appreciated
@RebeccaThompson-o7d off the top of my head ? The weather's much better More money for my line of work A much more positive attitude Better facilities Better schools Less tax Better house prices Take a look at the uk especially scotland. It's went tits up over the last 15 years. Streets are rioting, taxes have massively risen, house prices are near unaffordable Immigrating is out of control. Save me 🙏
American English IS proper English. Halloween is not a holiday but Christmas and Thanksgiving are the two biggest holidays. Also, Halloween is just one day but Christmas is a season and some people (a lot) start shopping and decorating before Thanksgiving. You make jokes but you two will be in therapy before long. Maybe Brits just moan a lot instead of going to therapy.
Americans cannot spell! There is a "u" in colour, honour etc, many word end in "re" like fibre and theatre, not "er" and aluminium has 2"i's" not one.😫 Halloween or All Souls' Day, where I come from is known as Hop Tu Naa and is for children to have a good evening out with carved turnip lanterns, apple bobbing, stories of witches and ghouls, and actual bonfires. It's a big family night out under the stars (if it's not raining). It was originally a pagan fire festival known as Samhain. The fire festival most people are aware of is Beltane or May Day (1 May).
Americans with no job qualify for 100% medical insurance from the government. You can choose any doctor. Pre-existing conditions are covered. Sometimes there is a 6 month hold on pre-existing conditions. You are overlooking the benefits of freedom of choice. You can shop around for the company and coverage that you prefer.
![[UA] NAVI проти G2 Esports | Blast Premier Fall Final](http://i.ytimg.com/vi/QWlIm4FGESQ/mqdefault.jpg)
I’m an Educational Psychologist in the UK. I’ve been here for two years and moving back to the US tomorrow. To your point about therapy, it isn’t really discussed here at all, but I will say that there are people seeking the services. In true UK fashion, there’s a VERY long queue for CAMHS and it’s very common to hear stories of primary and secondary pupils that aren’t going to school because of anxiety. However, because the services are so hard to access, the support they receive is nil.
Thanks for sharing this. This is a problem in the UK where people can not get access to the services they need.
I take all of January and February off every year, working for a major US airline at full pay, after lots of years… Everything here depends on your company. I use to want to move to Australia or Canada for political purposes and found that I make 40% more than my Australian and Canadian counterparts. My social security pension is so much more than I could get in Australia or Canada. Health care for me is cheaper in the US than I could have in Australia or Canada because I’m a contract worker. Income taxes are so low here for people at my income level… Life is good… I’m usually in London every weekend. I love that city, but life is more affordable for me here… I hope you two make the best lives that you can here in the USA! Welcome home!
Thank you for sharing! That is really good and interesting to know.
We say this a lot, often people outside the USA do not believe or want to believe this can be true. We also believe all these countries have different positive aspects, it is just about picking the right place. Thank you for your kind comments. We are very happy here.
In London almost every weekend?
wow
I loved your video, very thoughtful and charming! As an American I think what you will find is a fairly deep divide between the educated professional worker and the hourly minimum wage worker. Full social security, good health care, 401k, PTO, and sometimes a severance package all come with good white collar employment. The guy bagging your groceries will often only have what is legally mandated - lousy health care (covers very little), smaller amounts of social security, no guaranteed hours or set schedules, and minimum sick days (maybe 5-10 days) which accrue over time (rather being given to you at onset). There is also a certain amount of "contract work" or "gig work" which has no employment benefits. I am often shocked how little a professional can make in Europe in terms of salary, but I always thought that the upshot was that the indigent are getting more support. That could easily be a wrong assumption on my part.... Also I would go out of my way to do Christmas in the East Coast - I can imagine Las Vegas being less Christmas focused but it tends to be huge in a lot of places - but technically the season does not start until the Friday after Thanksgiving. Thanks for the interesting video!
Mechanics know what a spanner wrench is. We use them occasionally in our work.
Great video guys
I enjoyed the video guys, the house looks great.
Thanks Will!
Christmas is huge is most of the U.S. I think Vegas may be a little different.
Vegas must be a bit different then. It is not a big as what we are used to in the UK.
In my opinion, sports are not accessible from a young age when you live in the UK. In the US, you dont need fancy lessons to get good at a sport. In the UK, not even the tennis courts are free. You need to pay for everything, especially the sport facility, and there isnt a wide range of youth teams like US high schools
Agree! The level to which sports are available here and variety is so much more than UK. It is very much part of the culture growing up here.
Correction: most uk jobs offer at least 28 days of paid time off
I'm American and my family starts celebrating Christmas the day after Thanksgiving. I always found Christmas to be very big in America. I now live in the UK, and from what I'm witnessed over the 20 years I've been here, it's not celebrated as much. And when it comes to any type of services, America wins out each and every time. I think your perception of some of these things are definitely the group of people you know. Not sure about excessive therapy there, I've never seen it myself. My husband is a UK therapist, and there are loads of people in the UK seeking help. The problem with the UK is everything is so overstretched and it takes forever for anyone to get any type of help.
You hit the nail on the head as long as you have employer provided health insurance. I've had no health insurance for the past 20 years. Never needed it. I had it when I was working, used it twice in 20 years. Vacation time is usually 1 week.
wow, only twice in 20 years. Fortunately I do not have a cap on vacation days.
Airfare definitely was cheaper before the pandemic, but nothing like what you’d pay with the budget airlines in Europe. Rental car costs have shot up, too, courtesy of COVID.
Keep in mind. Social Security is NOT A PENSION... but was designed to be a SUPPLEMENT to your Pension and any Retirement savings! How much you will get from Soc Sec will be determined largely by how much you contributed over the years, and how old you are when you sign up to begin receiving distributions. Maybe things are different in Vegas,...but in most of the US Christmas is Very Well celebrated with lots of socializing..Eating, Drinking Parties etc Gaining a few ;und is VERY COMMON from the time of Thanksgiving through Christmas.. ...so I think you've got to experience more about Christmas.
Are you serious? These are Brits living in the United States.
@@bjishername Are you serious about being serious?
I think Christmas is not a big deal in Vegas because you are in a desert, the least Christmassy area to be in. Same with Florida, it is not the same without snow.
Ok when it comes to holidays like Halloween , thanksgiving and Christmas it use to be a lot bigger prepandemic after the whole pandemic debacle where everything was shut down and couldn't celebrate hardly anything for 2 years its never went back to normal christmas was huge whole neighborhood s lit up and decorated whole cities too.
How many hours do you guys work a week?
You guys need to check out the airplane flyovers during NFL games...
We still need to attend an NFL game.
And this is why the US has more immigrants than every other nation combined. The quality of life (if you work full time with salary) is phenomenal compared to most other nations. Yet the world view is often times severely skewed compared to the reality.
How many hours a week do you work? Is it noticeably higher than the UK?
as i already commented on a few of yer other vids i'm yankee but lived in the u.k. 2 1/2 years with an english gf. since y'all brought up the issue of therapy one major difference i noticed is that americans have no probs with it whereas in the u.k. it seemed to me that to a large degree going to therapy is "uncool" and even admitting that you need it is almost seen as a form of weakness. and yeah i did have various people over there comment on the fact the u.s. has more professional therapists than most other nations combined (in other words by far the most of any single country) and that that is somehow indicative of somehow being "spoiled" or "weak" as opposed to the whole "stiff upper lip" deal and how much "tougher" the citizens of the u.k. are as a result (implied not said directly).
fact is in many respects the u.s. leads the way in terms of modern therapy and if anything the peoples of the u.k. need it even more than americans (horrible problem with depression over there) but, again, in the u.k. the attitude is just one of "suck it up and carry on" rather than admitting to the "weakness" of needing help. that is one major difference between the two nations i most definitely did notice.
Guys. Americans never take the train. We drive our car. The train fairs are astronomical because they have no ridership. If you do not choose to drive your car, we take the bus or the airplane. I took the airplane from Dallas to San Diego for $78. I rode the bus from El Paso to Indianapolis for around $125.
But the easiest thing is to drive your own car. Come on. Americans do it.
the pandemic wasn't the problem it was the response that was the problem
I know this is quite a personal question. But seeing how you talk about the health care costs, I’m curious to know what you guys would say is a salary or combined salary that is suitable or manageable to live comfortably in the US? Also what are the mortgage interest rates in the US? I’m from the UK and live with my girlfriend we pay a mortgage and she is asthmatic so I’m curious what the health care costs would be for my partner with asthma and how much we would need to be earning to live comfortably in a house worth roughly $325,000 for example?
Also from my experience I think when people refer to the health care costs in the US I think generally they are referring to starting a family like the cost of delivering a baby or needing an ambulance for example.
We went to the Texas and Tennessee for 3 weeks last year on holiday it was incredible and I fully agree the people have so much better attitude and generally seem more happy than us brits.
Your going to need employer provided health care in the US. My wife and I looked into Obama care a few years back and in Fl it was running 500/month for a Silver tier plan for 2. That's 6K a year. I bought a house cash for 138k - solid concrete built home, 1300sq.ft remodelled it for another 30k doing the work myself - kitchen bathrooms etc. Those prices are long gone my home is now appraised for property tax by the county at 350k - thank goodness we are homesteaded. As my taxable value is 62k We've looked at moving to NW Arkansas or Oregon and can't find anything where we'd be able to remain mortgage free. I made over 150k per year when I worked 20 years ago - lived in a small college town where houses were under 100k, my first home was just 32k. I bought 40acres of land for 22k and designed and built a house for just 75k. Including paying the contractor to build it, permits etc. All the new developments around me start in the high 300's you'll end up at around 450k and will be facing a property tax bill of close to 7k per year. So you will need a big salary as mortgages currently run 7%+.
You need a minimum of $67,000 a year. That is adequate to buy a house and pay your medical and everything.
Great video and content. Do you have any experience of people who landed jobs in the US by applying from the UK? I'm interested and looking for opportunities, but do not currently work for a company with presence in the US. I'd be glad for your thoughts.
Hi Mike!
Unfortunately no. I have never met anyone that has applied for a role from the UK and have been successful. In theory it could be possible, but I would imagine it would be for someone with a truly specialist skill. There are many reasons why this is unlikely or extremely rare. It is not realistic that a company would hire someone from the UK, when they have people here first. It costs money to relocate and time to get someone a visa too. Also when you are not already working for that company, there limitations to the visa type. If you are seriously wanting to move, we would suggest working for a company that has a US base. That gives you a chance atleast.
Thanks for the response @@ANTSEL
I got a job in the US applying from the UK. Took 3 years to get a P3 visa. Now retired and am trying to get a residence visa for France where the quality of life is so much better and homes are way cheaper, taxes lower etc. I even speak French.
So why do we see videos saying the complete opposite about Americans in other countries saying how costly medical insurance is and how it covers nothing. One girl says she was paying hundreds per month for insurance BUT in Japan $23 per month and this covers EVERYTHING. Heard many many similar stories
We always state that this is our experience. We are not saying other people with out medical insurance or a worse type of insurance do not pay more. We are simply speaking to our literal experience, and to the many people we have been around since moving here that do not claim their healthcare costs crazy amounts.
The national average cost of full-coverage medical insurance from a private corporation in the United States is $700 a month. Most Americans can pay that without blinking because the salaries are so high here.
@@Matthew_Loutner The salaries aren't really that high for most people at at all. 60% of Americans live paycheck to paycheck and $700 a month is not affordable to the average person, not even close. The federal minimum wage is still barely above $7 an hour. Also rent has skyrocketed in most of the country recently. Most Americans aren't rich, quite the opposite really.
@RebeccaThompson-o7d The term "living paycheck to paycheck" is a deceptive term.
You can be living paycheck to paycheck while living in a mansion, taking your Lamborghini to the beach, and going out sailing on your yatch every weekend. I never use that term -- it is meaningless.
Also, federal minimum wage is $7.25 an hour. The law was passed it 2009, and it is outdated. It is rarely used in the real market. In the real market businesses have to pay a living wage. Here are some examples from real life:
Walmart is starting people at $15.
McDonald's is starting people at $15.
Panda Express is starting people at $16.
Aldi Stores is starting people at $23.
Bank of America is starting people at $25.
That is not to say that some places are not still paying $7.25. Some are in some places. But it is very rare in the market.
As far as salaries "not being that high," the median salary in the United States is $67,000, which is $5,583 a month.
@RebeccaThompson-o7d The median salary in the United States is $5,583 per month. They can afford their $700 a month insurance.
And yes, Americans are "rich." The average home size is 2164 square feet. It is the size of house you own that determines whether you are rich or not.
By comparison, the average house size in Spain is 1044 square feet. Americans are more than twice as rich as Spaniards.
Minimum wage has nothing to do with anything. No business here pays minimum wage.
Hi from Scotland 🏴
I'm seriously thinking about moving to the USA, I'm hoping to get married over here with my missus in the next couple of years,
Is there any insite to what it would intale for someone late 20s full qualified electrician and missus is a auxillery nurse. Any Information will be extremely appreciated
Did you require sponsorship were your uk qualifications recognised if not what did you do how did you do all this
I was sponsored. The company I worked for, relocated me to the US to work for them.
Oh i understand now just to let ya know las vegas is nothing like the rest of the country.
Why are so many Brits moving to the US.
Thinking about moving to the US or Australia from Scotland 🏴 whats better you guys think?
don't choose either
@@varythings where then ?
@@Bonk-A-LonkUSA
@Bonk-A-Lonk I am an American and what makes you think life will be better here? Most Americans are broke now...
@RebeccaThompson-o7d off the top of my head ?
The weather's much better
More money for my line of work
A much more positive attitude
Better facilities
Better schools
Less tax
Better house prices
Take a look at the uk especially scotland. It's went tits up over the last 15 years. Streets are rioting, taxes have massively risen, house prices are near unaffordable
Immigrating is out of control. Save me 🙏
No its not normal at least in most the country to have a therapist
American English IS proper English. Halloween is not a holiday but Christmas and Thanksgiving are the two biggest holidays. Also, Halloween is just one day but Christmas is a season and some people (a lot) start shopping and decorating before Thanksgiving. You make jokes but you two will be in therapy before long. Maybe Brits just moan a lot instead of going to therapy.
Americans cannot spell! There is a "u" in colour, honour etc, many word end in "re" like fibre and theatre, not "er" and aluminium has 2"i's" not one.😫 Halloween or All Souls' Day, where I come from is known as Hop Tu Naa and is for children to have a good evening out with carved turnip lanterns, apple bobbing, stories of witches and ghouls, and actual bonfires. It's a big family night out under the stars (if it's not raining). It was originally a pagan fire festival known as Samhain. The fire festival most people are aware of is Beltane or May Day (1 May).
Aye, there's the rub. No job, no health insurance. And pre-existing conditions are not coverd.
Americans with no job qualify for 100% medical insurance from the government. You can choose any doctor.
Pre-existing conditions are covered. Sometimes there is a 6 month hold on pre-existing conditions. You are overlooking the benefits of freedom of choice. You can shop around for the company and coverage that you prefer.