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Not only do we pay a ton in premiums, when you do actually get sick, you still have to pay enough that most can't afford it. My wife was diagnosed with cancer in December 2022. I spent more than $15,000 the last two years on her treatment. I am fortunate that I could afford that (it was definitely a strain). Most cannot. I have pretty good insurance because I work for a huge company with over 100k employees. The amount of money the insurance paid would financially destroy all but the most extremely wealthy.
My dad's medical bills were over $100,000 in his first year of cancer alone. He had liver cancer which is generally hard to beat and by the time they found it, his liver was 1/3 cancer. It permeated throughout his liver and they couldn't cut it out. Chemo and radiation were the only options. He had so many drugs costing thousands of dollars each. He had a team of doctors, one for each organ system, including the oncologists. The last year or two, he spent more time in the hospital than out of it. That's no way anyone could afford that without obscene wealth.