Unless OP willingly pulled himself off statutory health insurance (which you aren't even allowed to do under a certain income level), all he's paid is 10% copay on some things, up to a certain yearly limit. Keeping in mind that the total value is a reasonable one to begin with.

Only OP can reply about financial distress (loss of income is no joke once you're a few months into sick leave and they start cutting your pay), but Americans are uniquely fucked in a way no one here can quite compare to.