...and has "preexisting conditions" clauses, right ? This doesn't exist in France.

This is not even remotely true at all. Have you ever looked at a health insurance plan in the US?

That's not true. Obamacare eliminated lifetime caps. Small and medium size companies often had $1 million lifetime caps but large companies have negotiating power and typically had no pre-existing condition exclusion periods and no lifetime caps (or something insane like $10 million). Under Obamacare all US health insurance plans have no lifetime caps and no pre-existing condition exclusions.

In addition to the other comments, I wanted to point out that many employers also provide Short Term and Long Term Disability Insurance, which would cover the "incapacitate you for a long time and leave you without income" scenario.

You seem to have no idea how health insurance works.

Any good healthcare plan, especially post-ACA, will not have a cap like that.

People way overvalue free healthcare. Yes, it would be nice but it's nowhere near worth the salary differential.

I pay $160/m for my health care. It's a high deductible plan, but even if I were to reach the deductible every year then my total expenses would be $9,070=(160*12)+7,150.

The compensation differential between the US and Europe is way more than $10k.

Any big tech company in SV offer amazing health insurance. I've never heard anyone say they had rouble with coverage/pre-existing condition/deductible/copay.