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In addition to the actual costs other people are talking about, the mental costs of dealing with the system are inmense.
You have to update your information whenever you change your job. It's not like your social security number that'd given once and you memorize.
Every year you probably have to review your insurance options and pick one. This is essentially gambling- if you pick a low cost one you save money, unless you actually need to use it.
You probably need to find doctors that are "in network" or pay a lot more.
Sometimes bills are sent directly to you and that's a mistake. But sometimes you're supposed to pay and be reimbursed.
You typically don't know what the costs will be up front, so you have to guess what the best option is. Take a nasty spill on a bike? Is it worth calling an ambulance? Does your insurance cover that? Maybe just walk into the emergency room. But does your insurance cover that? Maybe just call a regular doctor?
In short, there's a lot of stuff you have to think about as the end user. I'd rather it was just "oh shit you're hurt, let's take you to the doctor. Don't worry about money"