Actually, we arguably do. Go try to price a US health insurance policy with the same level of coverage and cost insulation [1] you could get in Europe: get ER or primary care, at any time, with the promptness they would get for appointments, while never paying anything other than the premiums.

I'd be surprised if you could even find such a policy.

[1] And, of course, the same "we won't pay for this" cutoffs impose by e.g. UK's NICE board.