American style health insurance is a scam. I pay around 600 euros a month in Germany, for me and two kids, and there's no such thing as "copay". Delivering a baby costed us about 8 euros in parking fees. This is a private company offering insurance, there's no single payer in Germany. Other European and Asian countries do have single payer, with similar costs (the contribution is then a tax instead of insurance payment). It's the American "five yachts per CEO" model that causes problems.