Edit:
Also, the reason you can't afford kids is precisely due to the US having the same mentality as yours. Because you have to worry about healthcare, or college, or not having enough vacations and sick days. Instead of, you know, not worrying about that.
What is that headline that The Onion likes to use? “Nothing we can do about this, says only country in the world where this regularly happens”. Applies to healthcare too.
Everyone else has solved this. Americans don’t want to. That’s an okay and fine choice just don’t pretend it’s unsolvable. I live here in the US with a 6 figure salary and my greatest fear is ever needing a doctor for anything.
Back home it wasn’t even a consideration. Need doctor? Just go without a second thought.
And my income was a fraction of what it is now.
Also, of course medical care for all scales extremely well. You remove financial burden from people. You encourage them to start their own jobs, or switch to different/better jobs. You remove the burden of long untreated diseases. You get a happier more productive population.