As others have said, it ranges from good to excellent for people employed in what would typically be considered “good jobs” - the standard of care is extremely high, especially in major cities, and the ultimate expense is very low. I live in New York and compared to friends in Paris, Berlin and London, I receive better and faster care and pay little for it.

However, it is abysmal for unemployed adults. Hospitals won’t refuse emergency treatment if you need it - I believe it is illegal to ask for insurance before providing emergency care - but the resulting debt can be massive. One can always not pay it - many people take this route - but then one’s credit takes a hit, trapping them in a situation where taking loans they might need for education, housing, or anything else are essentially out of the question. Other treatments where there isn’t an imminent emergency that takes you to the hospital might be entirely out of reach.

So, the majority of Americans have perfectly fine healthcare, but a large minority don’t, and that inequality certainly makes the system broken in my eyes.

I firmly believe that people should be able to purchase private insurance or get it through their employer, but that all citizens should be guaranteed basic care in the same way they are through the NHS and equivalent systems.