The figure includes employer-paid and government-paid insurance for both countries. 80% of health expenditures in Finland are paid by the government or employers, and almost 90% in the U.S. https://www.oecd.org/health/health-systems/OECD-Focus-on-Out....

The income figures don't include out-of-pocket healthcare costs, but those are relatively small in both countries: about $1,100 per person per year in the U.S. and it looks like $800-900 per person in Finland. (Which by the way lines up nicely with your figures above, applying the fact that 20% of expenditures in Finland are out of pocket, versus about 11% in the U.S.)

Note that the data linked above is from the "mid-2000s" while we are using healthcare expenditures from 2019. A fairer comparison with more updated data is here: https://en.wikipedia.org/wiki/Disposable_household_and_per_c.... Here, the U.S. median household income is almost 30% higher in 2016, or $7,740 per year. The difference in out-of-pocket healthcare expenses for a three-person household reduces that to about $7,000 per year.