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That's because American health insurance is not really insurance it's a discount plan. Any of you remember being forced to sell those overpriced coupon books as fundraisers in school? That's what American health insurance is. It's a shitty discount plan/coupon book that you are forced into buying from your employer and the plan itself makes sure you pay as much out of pocket as they can legally get away with.
At least the coupon book is for products with real prices. Healthcare is a total scam with prices based on who is paying. The entire system is corrupt from top to bottom. The US problem is extreme systemic corruption. It is not individual corruption outside of the billionaire supreme court judges level, it is corporate sponsored corruption on a much larger scale.
The USA has a tenth of the laws and protections of any other western country. We have had nearly 50 years of a political denial of service attack from a right wing campaign of misdirection and distraction politics. No one can institute reasonable laws and protections when they are constantly battling whatever stupid inflammatory nonsense that hits the congressional floor. This is why the nonsense keeps happening. It is because it controls the conversation. The only purpose is to keep as many loopholes as possible open for the parasitic worthless billionaires that are funding it. The only fix is to force out the billionaires. The only way to accrue billions of dollars is by exploitation and criminal activity. There are no exceptions to this rule. Every billionaire is a criminal evading prosecution.