If this guy paid the same $9600 per year as you do for his insurance, in three years he would have paid the $28,000 his medical care in Buffalo cost him. If he had invested his money wisely three years ago in some Canadian fund in Canadian dollars, he'd be ahead of you and your astonishing plan.
Anyone that can pay $9600 a year can also save $9600 a year. Most won't, but you can't deny that it is possible. Invested wisely, you could have $38000 after three years.
As it is, he has paid $28,000, he is alive and well, and he MIGHT get his some or part of $28,000 reimbursed by the Province.
So he's still better off in Ontario.