According to the World Bank, out-of-pocket expenditures are 85 percent of private health care in Japan.
But, in the U.S., the comparable figure is 21 percent.
http://data.worldbank.org/indicator/SH.XPD.OOPC.ZS
So which of these rich countries has more “health insurance?”
In Japan, most people pay out-of-pocket for ordinary expenses. Insurance is there for extraordinary expenses. This keeps costs down, and strengthens the role of the consumer in the marketplace.
In the US, people think of health insurance as free or provided their employer or by the government. So, they want health insurance to cover everything. Mental illness, check. Vision care Eye care. Just wait.
The US will never, ever, ever have enough money free health care. Health care will be rationed by waiting lines. People will quietly die while waiting in line. This is the way it is in the U.K.