We had someone get sick on a trip to Iceland. They walked into the emergency room, talked with a doctor a few minutes later, and got some antibiotics. They were very apologetic because the U.S. wasn’t part of the E.U. reciprocity agreement and they would have to charge them for the costs and the total came to — cue Americans raised on medical news stories bracing in expectation – less than what their major university insurance copay would have been for the visit + prescription.