Please try to understand the specific statistic I am citing. I’m talking about non-premium out of pocket costs: https://www.oecd.org/health/health-systems/OECD-Focus-on-Out... (chart on page 1).
The reason I quote that figure is because there is a myth that even though Americans mostly have private health insurance paid by their employer, they somehow still spend all this money on deductibles and co-pays.
The other figure I’m citing (the 5%) are not what Americans pay in total, but what Americans have to pay out of their salaries. The reason I cite that is most Americans have employed-paid insurance, which is not counted in their income. So if you just take income and subtract the total cost of healthcare per person, you get an incorrect number, because people don’t pay most of that cost out of their income. You have to look at what people pay out of pocket on premiums and copays.
Private insurance is a tiny cost of average 30 Euro and reimburses you for damages. Does not pay for healthcare. Entirely different kind of insurance.
In US, a single copay with health insurance can take triple this, most common ones are few hundred USD, baseline insurance is still expensive. However, yearly it's... Still more expensive as double the percentage of GDP than France.