You could definitely include the out-of-pocket costs (and how they differ between high deductible plans vs. low deductible vs. single-payer), and you should, for a fair comparison. This is researched to death effectively at this point but the overwhelming consensus is that single-payer delivers 100% coverage at around the same cost to individuals as the employer-sponsored plans w/ the same healthcare quality / outcomes. If you went on to compare the time-costs for every person that has to navigate insurance company shenanigans, the savings would be off the charts.

https://www.thenation.com/article/thanks-koch-brothers-proof...

The problem, as always, is what do you do with all the redundant bullshit jobs that are eliminated in the process.