Neither is most "employer-provided" insurance. A few folks have 'gold-plated' plans where they are hardly out of pocket for anything, but most people with health insurance plans, of any stripe, still have moderately sized deductibles, on top of paying a portion towards the monthly premium anyway.
Well, in all fairness, my and my wife's health care in the USA has been WAY better than it was in Japan. It costs like 20x as much, though. That's my theory as to why nobody in power wants to actually fix the US system. Maybe the system really is the best if you have unlimited money and unlimited tolerance for bureaucracy
