That description could just as easily be for the US. Maybe you disagree with the terminology, but when people talk about their health insurance being predicated on their employment, this is what they are talking about.

Obamacare, for all its controversy and limitations, removed the ability to screen for pre-existing condition which was a very important feature. Prior, some people who weren't covered by an employer's group policy simply couldn't get insurance for any amount of money.

Now, yes insurance is expensive, but anyone can get it for about 2x what most people who get healthcare as a benefit are paying into an employer's health care plan.

Right, but since that's no longer a feature of American healthcare, that's not what we're talking about when we compare the US and European systems.