Even if you’re not at FAANG, you’re going to get pretty good care for very little cost at any funded startup. Almost every place I’ve worked I’ve never had to pay insurance premiums and almost always had obscenely low copays for visits and operations. (Visit a doctor - $10, surgery - $35... etc.. very cheap)
Being a software engineer in the valley definitely means you’ll likely have a pretty good healthcare situation that might be better than the free version you get in other countries...
Don't get me wrong there's plenty of folks who struggle in America, but white-collar employees of the top five tech megacorps ain't them.