Even the best health insurance in the US generally leaves you paying a lot compared to any other developed nation. I had FAANG engineer health insurance, crack

Even the best health insurance in the US generally leaves you paying a lot compared to any other developed nation. I had FAANG engineer health insurance, cracked my elbow. For the exam+x-ray+soft wrap the clinic billed the insurance like $15k, insurance actually paid like $5k and I paid $1k. I received 4 separate very unclear bills from 2 or 3 different sources. That's in-network with insurance considered so good I paid a "cadillac tax" for having it. I cracked a rib and had identical treatment in Sydney with no coverage as a non-resident (travel insurance reimbursed me later). They told me the costs upfront, made sure I agreed and understood. I paid maybe $400 for the same treatment. I think people incorrectly attribute it to lack of single-payer though: Switzerland doesn't have single-payer and one part of your insurance is provided by your employer; my partner paid full price for an x-ray there and it was much less than the post-insurance price I paid.