Oh yes, in the US hospitals are fancy. I had to stay 2 weeks in one due to health problems. $25,000 bill. I had better insurance then. I'm still paying back the $2000 that was my part of it.

But here's how insurance works. I work for a health care company, family doctors. For a visit of $130 most insurances with a co-pay will pay around $15 for that visit. Co-pays are between $20-$50 usually, so the patient pays that much. The rest is written off. But you have to remember the insurance premium paid by the average family of 4 is around $1000 a month. So if you go to the doctor 1 time in a month and they pay $15, the insurance company made $985 profit that month. They don't put your money into an account for you.

So a healthy family is giving the insurance company $12,000 every year.

Now most insurance has deductibles. Like mine ends up at $8000 and my insurance actually is more expensive, but im lucky my work pays part. but some are higher. I had a co-worker with a $10,000 deductible. So if your deductible is $10,000 you're actually paying $22,000 a year before the insurance covers anything. My hospital stay was $25,000. It feels like you're better off just having a savings account that can only be used for medical bills.