The best healthcare services aren’t paid by insurance, they’re paid “out of pocket.” More and more people (who can afford it) are either giving up on insurance or taking as little as possible.
For the typical doctor, hospital etc. it’s about the same in Europe as most parts of the U.S.
Not to mention the fact that you get sometimes get a discount if you pay in cash. I think that's a great idea for run of the mill complaints. Save insurance for the big stuff.