Scenarios range from completely free at the point of use, to 100% out of pocket, and everything in between.
The 5 programs I mentioned above are just the largest federal programs. States and localities in the US often implement their own programs. There are hundreds of government healthcare programs that someone in the US might take advantage of, depending on where they're at.
The problem with healthcare in the US is not that there is no government healthcare initiatives. The problem is that we have too many. Fragmentation is inefficient and expensive.
Governments in the US spend $4,854/person/year on healthcare. The NHS spends $4,192/person/year.
https://www.cms.gov/research-statistics-data-and-systems/sta...
https://www.nhsconfed.org/resources/key-statistics-on-the-nh...