The $21,115 health-care bill Canadian families never see

# Editorial Summary This submission argues that Canada's hidden health-care costs ($21,115 per family annually) create political pressure to address system inefficiency, and proposes activity-based hospital funding as a reform that doesn't require private delivery or Canada Health Act conflict. The piece is well-structured with concrete data (cost growth rates, wait times, international comparisons) and a clear policy recommendation grounded in OECD evidence, though it relies heavily on Fraser Institute figures and Second Street mortality claims that would benefit from independent verification before publication.