美国医疗保险有deductible, 还有coinsurance,

According to the most recent data available from the Centers for Medicare and Medicaid Services (CMS), "the average American spent $9,596 on healthcare" in 2012, which was "up significantly from $7,700 in 2007."

It was also more than twice the per capita average of other developed nations, but still, in 2015, experts predicted continued sharp increases: "Health care spending per person is expected to surpass $10,000 in 2016 and then march steadily higher to $14,944 in 2023."

Link: https://www.cnbc.com/2017/06/23/heres-how-much-the-average-american-spends-on-health-care.html