I like the US healthcare system? At least my on-the-ground, lived experience into middle age has been great. I've always had high-deductible insurance through my employer, never had a problem getting a specialist (even during the supposedly horrible HMO years) or special service, eg. MRI.
With an HSA, I'm basically self-insured for everything short of something catastrophic.
I don't know if I'm an outlier in this American Carnage, but with very few exceptions, this is the norm in my circles.
Just looking at pricing, I am lucky enough to have a similar insurance setup, yet we are still vulnerable to unlucky pricing and uncertainty about what insurance will cover. The price you pay is an unknown power law distribution random number with an unbounded upper value.
With an HSA, I'm basically self-insured for everything short of something catastrophic.
I don't know if I'm an outlier in this American Carnage, but with very few exceptions, this is the norm in my circles.