US is very different than Europe, because you pay from your own pocket for a lot of things (eg healthcare) that are state sponsored elsewhere. Also factor rent in NYC/SV
Employers in the US provide healthcare if you work full-time. You may pay a premium, but it's probably similar to the taxes you paying EU, if not lower.
Don't you lose your job sponsored health care after being laid off ? Or is it expected that companies keeps you employed when you get a cancer / other high impact health issues ?