I think your system is based off how much your insurance agencies can make off their clients. Which admittedly is in the spirit of capitalism. But still.
Yeah, it's all a money game. They're in business to make money, and it creates a perception of mistrust and greed. And then they wonder why large segments of the population wantonly reject medical recommendations about masks and vaccines during a pandemic. I think a lot of people perceive the medical community and the healthcare industry as just in it for the money.
My grandfather thought along those lines. He thought less of doctors than he did of lawyers and politicians - and he didn't like them either. He figured they were all a bunch of crooks, and he immediately assumed that any test they recommended or any pill they prescribed was just some scam or money-making scheme. He lived to be 96, and was relatively active, healthy, and independent up until a couple of months at the end. So, refusing to go to the doctor didn't keep him from enjoying a long life.
We do have private healthcare insurance here in order to “jump the queue” but I think the idea is more “a citizen that lives is a better consumer than one who is dead” lol
It varies in America. Those who work in government tend to get rather lucrative benefit packages which cost them very little, while those who work in the private sector might get more of a hodgepodge of choices. Larger, more affluent corporations might be able to offer better deals to their employees, while the smaller businesses may not be able to afford it. The elderly and disabled get Medicare or Medicaid, depending on their situation, although at least in my state, they don't generally have to pay co-pays or deductibles (although it's a very tangled, bureaucratic system full of pitfalls, and it's not always that easy to navigate).
It probably hits hardest upon the working class, as they're considered to be working, earning income, and getting health insurance through their employer, so they don't get any kind of aid or assistance which is provided to the non-working poor. Companies see health insurance as an extra expense, and employees see it as more deducted from their already meager paycheck.
But they're just peasants, so who cares about those people? They're easily replaceable. In capitalist terms, the value of a human life is whatever the market will bear.