And, health insurance, no permanent resident or Canadian pays a single penny for the health insurance. it's free. most of things are covered even if your are students, unlike in US where we must ask for the donations if something happens to us This is bull shit. if you live in Toronto, you on income bracket for Insurence. this law been in picture when Mcguity was MP since 2003. they will deduct from your pay check now a days and its like paying your insurence here in US.