Almost no one in the US has insurance that doesn't have co-pays or deductibles.
I do, and I don't. My healthcare is through the VA, and whether or not there's a co-pay or not depends on what it's for. I have a number of long-term conditions with a co-pay on the medicines needed to control them, but everything I get from them for my diabetes, my hearing issues and my non-h lymphoma are 100% free because they're all service connected. Not only that, back in '22, I slipped on some black ice, came down on my right knee like a pile driver and knew I couldn't get up without help, so I called 911. They took me to the local hospital, about a mile away, where they X-Rayed me and found out that I'd busted my hip. This is a small hospital, and they didn't have an orthopedic surgeon handy, so I ended up in a larger hospital over 100 miles away where I spent two weeks. My bill for that and the physical therapy needed? Zero. The VA paid all of the bills at their rate, and the hospitals were required to take whatever they got as Paid In Full. How many private plans can do that?