Are you unemployed? Otherwise, this is just not true. Assuming OP and his wife earn average incomes for academics in the US, they'd pay 2x ~920 USD per month in Germany, totaling 80% more than the premium and only 9% less than the worst case scenario of OP having to pay the full deductible.
Average salary for a full professor in the US is $129K, which would put it closer to $800.
That being said, the average professor salary in Germany is around 84,000 Euro, so it's closer to $560 a month.
You also ignore that after the high deductible is paid in the US you're still paying co-insurance and co-pays. (I love how US health insurers describe these as "your contribution" to your healthcare costs, as if you weren't already paying premiums and deductibles, but the magical insurance fairy is...).
