In other developed (or even developing) countries, going to a doctor if you feel anything is not a financial question. You just go. Also annual bloodwork -- without needing to even do a doctor visit -- is sometimes a thing.
You can go to the specialist you think you need. Got a heart/chest issue: you go to the specialist and do not worry if it is covered or how to pay them.
Disclaimer: lived/live for years in both Europe and U.S. I also have a glimpse of how the japanese system works and South America a bit too. These things are not comparable. You would think North Americas are a different "world far far away."
tl;dr: I find the average in the U.S. surprising. Then I look at the median life expectancy.