(If Americans are thinking, "huh, that sounds like Obamacare / the ACA marketplace!" then you're right.)
In Germany there is nothing like bronze/silver/gold plans. All statutory health insurance covers what is required to be covered by regulations, with just a few bonus services, at the regulated tariff plus just a few percentage points of variation. So the 90% of people in Germany who have statutory health insurance [1] have essentially the same coverage. The tariff is a percentage of income (up to a cap), not a flat fee.
[1] not everyone is required to have statutory health insurance, for example employees above an income threshold and self-employed people
It is like parliamentarianism, campaign financing regulations, gun control, multiple political parties, etc. Americans call these things "Socialism" and then freak out about them and refuse to see any good on them.
Let's not pretend either system is perfect, or that the _underlying principles_ that both systems hold are the absolute correct way to organize a society.
Americans have be primed with _decades_ of rugged individualism and the idea that collective action is inherently weaker/flawed (just don't think about Social Security). It might have been reasonably true 100 years ago that everyone could pay for their own health care, but we're now in a world where the average person is perpetually on medications that are expensive to produce, and will demand increasingly expensive medical interventions throughout their life (heart health, cancer care, etc.). Combine that with AI probably wiping out a ton of industries/jobs - something has to change. I'm not going to pretend to have a solution, but I think it is disingenuous to suggest any EU nation has it figured out either and is obviously correct.
The dirty secret: half of what makes living in America tolerable comes from new deal policies. Everyone knows it, nobody will say it.
A similar thing goes for the ACA. Republicans hate it, but at the end of the day Americans don't want to be dropped from their insurance plans for having cancer or some genetic defect. Literally nobody wants that, only out-of-touch political talking heads want that.
That's not to say any of these policies are perfect, they all have flaws. But if you ask the American people what they want but carefully never name policy names, it becomes obvious everyone is on the same page.