So you have a lottery ticket, which may or may not pay out when you receive health care services, decided by essentially random factors.

If you send me a bill for anything over $100,000, you might as well send me a bill for $10 trillion. It doesn't matter, I can't pay. I'm bankrupt now. Great, you get my house and my retirement savings.

The point of insurance is to prevent that from happening. I pay a small amount so that if I get unlucky, I'm not ruined. I don't care if "oh the bill was actually much higher before" because the number never mattered- me being ruined is what mattered. If I still am, then the insurance did not do what I wanted it to do.

It should be though: people do not understand healthcare, the insurance they are getting, what is included and what is not, and, very important, at times of illness you really do not have the time or bandwidth to think about it. To me it always sounds rather inhumane what happens over there. But then again, I only get my info from comments and articles like this.