Let met tell you how it works in Australia. People don't worry about the cost of treatment when they are really sick
Before my son was 5 he managed to cut himself 4 times requiring 2-5 stitches each time and broke his finger. Each time we took him to the emergency department at the local public hospital waited less than an hour to be seen and were out of the hospital within 2 hours. That hospital provides the best healthcare for kids in the city. Total cost: $0. All I need to do was show my medicare card.
We also have private health insurance. Total cost is ~$4,000 year for top level cost (80% of most bills and no costs for hospital). My youngest daughter was born 8 weeks premature and we chose to be treated as a private patient in the public children's hospital. The total bill was around $15,000 of which we paid a few hundred. We could have opted to be admitted as a public patient and the only changes in treatment would have been that the duty registrar would have been the primary contact rather than the private specialist and my wife would have shared a room. If our daughter had been seriously ill, then the specialist would have looked after her anyway. There were babies next to us who were being treated as public patients who received much more expensive treatments at no cost.
The public hospital system falls down when you have a problem requiring "elective surgery" (e.g. hip or knee replacement) where the waiting times can be up to 18 months versus weeks as a private patient. The other deficiency is paying for equipment such as wheelchairs etc. may not be covered by the public system.
If I want to see my local GP, I have to pay a gap of around $20-$30, however if I have a concession card there is typically no gap. To fill a prescription costs either at most $30 or under $6 if you have a concession. Spend more than $1000 in a year and the government covers the rest.
We look at the USA and wonder with so much wealth, how can you be so uncaring?