[msrenee]

It's nice that you think healthcare in the US works like that. I promise you that everyone I know who complains about what they are charged for healthcare is, in fact, complaining about the out-of-pocket cost. Let me know how you feel about it when you're paying $800/month for insurance and every time you use it for something that isn't routine, you spend the next month terrified not knowing what you're going to have to pay in addition. And then you get the bill. Either it's mostly covered and you pay an extra $75-$100 on top of insurance premiums or it's not and you have to figure out how to pay the bill.

You've got a very positive view of US Healthcare that doesn't seem to be rooted in experience.