I don't know enough about US health insurance to make a good comparison. In Germamy co-pays for doctor visits arent a thing and co-pays for meds are capped at 5-10 EUR.
Also if I go to the hospital and get a surgery or something I don't have a deductible or percentage I have to pay out of pocket.
My understanding of US insurance is that these are almost always a reality plus potentially a monthly premium.
>>xetifa+(OP)
Basically, good health plans like the ones you would get in a tech job will have either no or very low monthly premiums ($0-$50/month), and pretty low deductibles ($1k) and out-of-pocket maximums ($2k-$2.5k), meaning no matter what happens, you'll never pay more than $2.5k for your healthcare in a given year.