Theres alot of forces tugging at American "healthcare" - lawsuits, uninsured non-payment, subsidiation of 3rd world drugs, heterogeneous population, over eating, under exercise... usa practices reactive medicine. and maybe part of that is due to hectic modern life, but it certainly adds to the cost, time and money, that could potentially be avoided or at least reduced in a more preventive, educated system.

that being said, one can certainly find cheaper insurance (a policy to limit liability) if one knew where to look.

for instance a self employed single male, 27, queens new york, healthy non smoker, can have a national network $300 deductible, aca qualified policy, $329 a month.