Going off the 2019 numbers, so pre-pandemic: 10% of Americans have a negative net worth. 30% of americans are on means-tested benefits: Medicaid, foodstamps, TANF, WIC, welfare, or section 8. An additional 20% on top of that, or more than 50% of Americans, receive federal subsidies, so do not fully pay for their own insurance.
Even for those who qualify as "with insurance", for the above specification, do not possess insurance nearly to the scale that is implied in the above quote of $2500 per month. Of the 86% insured (the number rose from 10% in 2018 to 13.7% in 2019), 20% are on individual plans with a deductible over $5000.
Fewer than 40% of Americans actually have healthcare insurance of the quality implied above -- which makes sense, because $2500 a month is actually a reasonable figure, and that exceeds wages for 40% of Americans. Reminder that 30% of Americans live at or below the poverty line, and receive government assistance for basic needs of food and shelter.
10% of Americans have negative net worth, but something like 8% of Germans have negative net worth, and Germany is a much smaller and more homogenous country. Is 10% a crazy high number? And look at Sweden's number. Is Sweden a basket case?
Fewer than 40% of Americans actually have healthcare insurance of the quality implied above
If you are free to set metric arbitrarily, you can always ensure that majority of Americans do not meet it. For example, fewer than 40% of Americans drive cars that are younger than 5 years old. Does it mean that driving is out of reach for most Americans? Clearly, it's not.
More concretely, despite that "fewer than 40%" have healthcare coverage of the sort you arbitrarily chosen, it turns out that 70% of Americans rate their healthcare coverage as either excellent or good ( https://news.gallup.com/poll/245195/americans-rate-healthcar... ), and this figure has been stable for last 20 years.
