Here in Australia, health care for TS/IS is not a problem.
I have not really had any problems with health care, but then again I do have a GP that has many TS patients, my psych has been seeing TS patients for a very long time, the hospitals I have been too with my girlfriend have never really been a problem, with the nurses treating us just like any other patient.
And better still, our medical system is for everyone, you do not pay to see most GP's, you get a generous refund from the government if you do have to pay covering 80 - 90% of the cost, you do not pay to go to hospital (that is unless you have Private Hospital Insurance, then you have to pay a fortune, but the trick here is even if you do have Private Hospital Insurance, you tell them you are a public patient, and pay nothing). Our medical system is setup so that every citizen of our country can go to hospital for free or see a GP for free.
I have to pay for my HRT medicine, but it is heavily subsidised by the government via the PBS (Prescription Benifits Scheme), which means I pay approx AU$2.45/day or AU$73/mth for my HRT medicine, which is quiet reasonable.
We can apparently get an Orchie on Medicare (paid for by the government), but I am not going go down that route, so I do not know, I will wait for SRS, which is not free, and costs about AU$15,000 - $20,000, apparently.
Thus far my psych has not changed me, and done all expenses via Medicare, which means no out of pocket expenses for me.