It's really hard to make a direct comparison as in countries with socialized medicine, you don't really have co-pays, deductibles, caps, out-of-pocket maximums, etc. The implicit assumption you make is also that the average American gets their insurance through their employer -- they do, but that's not the whole picture.
55.7% of Americans get cover from employers, 16.2% from individual markets, 19.4% from Medicaid and 16.7% from Medicare. [1]
After all, if people can't come up with $500 for emergencies, what's the chance they can come up with co-pays? This is measured in [2] and they conclude 41,000,000 Americans are underinsured.
So they may not have 32K left, but they probably do have less than 60K left. In fact I'd imagine that the 55.7% who have employer-paid coverage probably make way more than the 44.3% who do not.
55.7% of Americans get cover from employers, 16.2% from individual markets, 19.4% from Medicaid and 16.7% from Medicare. [1]
After all, if people can't come up with $500 for emergencies, what's the chance they can come up with co-pays? This is measured in [2] and they conclude 41,000,000 Americans are underinsured.
So they may not have 32K left, but they probably do have less than 60K left. In fact I'd imagine that the 55.7% who have employer-paid coverage probably make way more than the 44.3% who do not.
[1] https://en.wikipedia.org/wiki/Health_insurance_coverage_in_t...
[2] http://www.commonwealthfund.org/~/media/files/publications/i...