Put simply, Americans have an anomalously high rate of dying when they are young due to homicide and accidents, particularly vehicular. These are large statistical outliers compared to the rest of the industrialized world. This negatively alters the average life expectancy but does not say much about the life expectancy in the individual case.
If you control for just homicide and vehicular accidents, Americans have among the highest life expectancy in the world despite issues like obesity, and many Americans have negligible risk of those causes of premature death. In terms of deaths due to medical issues (cancer, heart disease, etc), Americans have the highest life expectancy in the world, which offsets the homicide and accident death rates among the young.
There used to be a saying by the people that study life expectancy statistics that the only people on Earth that live longer than Japanese women are Japanese women living in the US. Which is true and captured an essential point about the mixture of factors in life expectancy statistics.