This. No matter what we claim about American healthcare, this points resonates so well with most of us in America. It absolutely is scary to imagine being sick even with insurance. Without insurance, forget about it. Then comes the maze of crazy terms like co-pay, co-insurance, deductible, pre-authorization, in-network, out-network, Specialist referral and god knows what else.
Now may I rant about the Insurance companies if I may ? Obamacare was supposed to fix healthcare but it added to the red tape further. No real solutions. Insurance companies still have too much power and they call the shots, not the doctors/hospitals. Good luck fighting a denied claim unless you can shell good amount of lawyer money.
I don't know the solution though. America still has one of the best facilities in the world and even though the process is too bureaucratic and downright idiotic in many cases, the care that is actually provided is still pretty good. And I say this as someone who is aware of medical tourism and countries such as India.
One solution could be to get rid of insurance scam (yes I call it a scam) and then lets hospitals/doctors compete with transparent pricing in a free market. For catastrophic events, let insurance companies exist. I hate it that to even get an X-Ray, I need insurance and without it, they will look at you as if you came from some strange land. And if you do end up getting a service without insurance, good luck looking at the bill when it finally comes. You can be a crypto expert but won't be able to figure that one out.