Sure 92% of Americans have insurance, but they pay 5-10x the monthly premium compared to most Europeans and then on top of that the co-pay is thousands of dollars more than the small (or zero) amounts Europeans have. And insurance is not guaranteed, it's all linked to your employer. It's bad for nearly everyone, but enough people accept it so it doesn't change.
Americans still have higher take home pay and lower cost of living than Europeans. You also need to understand that the 22% who have full free coverage pay nothing, and because of their income also don't pay taxes.
There are also subsidies for middle-low earners, and most full time jobs offer insurance (which people foolishly wave to save a few bucks, but end up being another horror story).
The situation is not nearly as dire as the young American crowd that dominates social media makes it out to be. It could be much better, but as I alluded to in my other comment, don't let stories of car crashes scare you from getting a license.
