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Thanks for this! Starting to get my head around it 😃
Yeah, I get that from the US perspective the idea of there not really being a hard price tag on everything is a bit odd - the US system is bonkers and confusing from the outside as well (and it kinda feels like that's by design).
Another example as to how this works in practice; my daughter was born a couple of years ago
Our out of pocket expenses were
Grand total was less than $500 NZD (not counting the insurance excess), and we could have avoided the majority of those costs if we wanted to.
Not saying the system is perfect; it's functionally impossible to get mental health support publicly, dental care isn't publicly funded if you are over 18, it seems like nurses and junior doctors have to constantly fight to get pay rises that keep up with inflation, and the system as a whole has been chronically underfunded for decades - but we don't have people choosing between death or bankruptcy, and we have higher life expectancy so shrug