This assumption is unfounded. Where does this factor of ten come from?
Out-of-pocket cost is irrelevant. The hospital bill is for the total cost. Costs outside of out-of-pocket still have to be paid by someone: indirectly by the patient through taxes and insurance premiums.
The US healthcare system is broken. It is well-established that the cost of healthcare has greatly outstripped general inflation. The technological improvements have not resulted in dramatically improved results. Furthermore, the US has the most expensive healthcare in the world without correspondingly best results. Since you are still at Ricochet, you can read my post on this topic from 2017 with statistics to back this up. Quoting myself for the benefit of those who cannot follow this link:
The US is an outlier in healthcare costs, by almost a factor of two, while delivering comparable or inferior results.
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US performance is generally comparable to, or poorer than, countries that spend much less. I could not find any significant health metric in which the US excelled over other first-world countries.
Some commenters felt offended by these facts about the US healthcare system. Normies defend the system because they think it is free-market, whereas it is quite the opposite: dominated by government funding and regulation. Obamacare made it worse but it was already terrible.