My impression was that many if not most Americans would have to pay an excess (not sure of the American term; money paid by an insured party on using insurance) for any medical care with their work insurance. Is this not the case?
Add all these charges and fees up, you'll keep paying them until you hit your "maximum out of pocket." So as an example, I was hospitalized a few years back in December while on what would be considered a "good" healthcare plan. I paid my $1000 deductible, a $250 co-pay for emergency room care, and co-insurance of several hundred dollars. I stayed a single night in the hospital and received a CT scan. I was given Tylenol, released the next day, and referred to a specialist. I wound up seeing the specialist in January, so my deductible reset. I was given another CT scan, so I had to pay my $1000 deductible again. The total bill for the entire process pre-insurance was in the realm of $80,000. After insurance, I paid $5000, which was my entire life savings at the time. I didn't hit my maximum out of pocket for either year, so I got lucky in a way. I could have had to pay double what I did.
I feel this is never adequately priced into these discussions. everything about healthcare in the US is expensive and complicated, even if you "have insurance", even if you have expensive, seen-as-good-insurance.