Ahhhh faultroy, methinks that you exposed the difference between health-care insurance and medical care.
We all know what medical care is,... accurately or falsely. But most of today's mind-numbed ignoaranzos believe that we are entitled to some cradle to grave, government provided 'right' to medical care including expensive prescription drugs, transplants, joint replacements, designer plastic surgery, and of course gyn services including birth control pills, condoms, or abortions on demand.
The government offers Americans no such all-inclusive medical care. As we all know, medical care is very expensive.