Americans pay more whether the money comes from taxation (most of it), employers (part of it), or out of pocket to insurers or directly.
That all comes out of national accounts, which capture overall revenues by industry. Unless the US or France have a large number of under-the-table doctors or prescription drug vendors, thats going to reliably capture what is actually spent.
American taxes are lower than Europe. Consequently, the standard of living in America is higher than Europe, when you compare identical incomes.
I can go buy property in America for as little as $10,000 and throw a trailer on it and call it home. I can’t do that anywhere in Europe. I’m not saying that I’ll get prime property for that $10,000, just that it is there.
Pick any aspect that comprises a standard of living and it is better in the US than in Europe, because of the differences in taxation.