Just FYI, Switzerlands medical system is not nationalized. It is private and run for a profit (though there is centralized price setting for necessary procedures and basic insurance is mandatory and regulated well)

No one but the US considers Swiss healthcare to be affordable, and prices are certainly not being driven down. And as insurance is legally mandated, “even without insurance” is not something that can be properly evaluated here.

I am not sure where you got this info but it is very wrong.

I don’t think this is universally true. I had a CHF Amex for years. Used it by in EUR and USD online and in person.

> CHF Amex

The Swiss Amex is a bit special anyway because its operated by Swisscard which is a JV between Credit Suisse and AMEX.