Study after study finds that a health care model where you can visit a doctor frequently leads to much better overall heath for people.
The system we have here forces people to wait until minor issues turn into life or death situations that require much more intensive and expensive care.
OK, but...
Let's suppose that a doctor's visit costs $200 for someone without insurance. And let's say that the two options are 1) insurance premiums are $1000/month, but it's only a $20 copay to visit the doctor, and 2) major-only insurance at $100/month. I can visit the doctor pretty regularly on that difference of $900/month.
All this hypothetical tells us is that you're young, healthy, single, and have a good income. Which is exactly the issue with our health system -- it only works when you don't get sick.
The median household income in the US is $83k. That's for a whole family. I would challenge you to come up with a monthly budget for four people that can support anything like $1000 a month for insurance (which for a family is actually going to be more like $2000) OR handle multiple $200 doctor visits per month. And mind you there is no such things as a doctor visit that costs only $200 unless you're talking about a routine physical. Because the first thing that happens when you're sick is the doctor starts ordering tests and referring you to specialists. And let's hope nobody needs a prescription!
And then you find what life looks like for 150 million Americans -- you're constantly putting off healthcare until it becomes an emergency. You're gambling with your own life and the life of your children trying to not go bankrupt.