Can someone give me a real understanding on healthcare in the USA please (Brits to USA preferred)

My wife (USA) and I (UK), are considering a move to another country. Currently we live in the Uk... but how the current economic and political climate is here, and mainly the weather... we're not keen on staying longer

Im self employed, my wife is employed (if that makes any difference)

You might argue out of the frying pan and into the fire - but Im not here to discuss that.

As a brit from the outside in the healthcare in the states seems INSANE!

My understanding - correct me if I'm wrong:

- High cost for insurance
- Even when you have insurance it doesn't kick in until you hit your deductibles
- and then if it does kick in you still have co-pay (so in theory can still cost you thousands)
- And even then the insurance doesn't guarantee you cover in certain states, or with certain hospitals and doctors etc.
- And anecdotally I hear and see people who could've lived on had they had treatment either being denied certain medications
- or you have hard working Americans having to sell their homes for their cancer treatments

I read a stat the other day 45% of americans have or have had some kind of healthcare related debt. As someone from a country with free healthcare (flawed in some ways may it be)... I find that insane

E.g. I had a huge lists of precautionary tests not to long ago for something thankfully not bad... on all sorts of machines and equipment.

entirely free... not a penny paid

I'd love to know:

1) Is this view accurate?

2) if no, could you please tell me a more accurate view to understand better

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Before we get any butthurt people on this replying saying "it is what it is, don't like it don't come"
1) This is exactly my point... I don't like it and it's a big deterrent for both of us, but living in the USA would be great for family connections there.

2) I'm trying to understand if my impression of it is correct.. or if I'm misunderstanding it. Communication is how you learn

3) My wife can't really answer these questions as she left the US before it was ever something she had to learn about