Individualism means voluntary cooperation. Collectivism is state-imposed forced cooperation. Decentralized vs. centralized. It's a common misconception that individualism means no cooperation; actually it means that each individual can choose who they want to cooperate with.
This isn't how most people would define individualism and collectivism, I think.
Individualism is the propensity to do whatever is best for the individual, even if it hurts the collective. Collectivism is the propensity to do what's best for the collective, even if it hurts the individual.
Wearing masks and social distancing helps the collective. But because Americans are highly individualistic, and doing so is ever so slightly less convenient than not doing so, many people decided not to wear masks or social distance.
Oftentimes what is best for the individual and what is best for the collective are one and the same. That is the only reason America works at all. COVID was not one of those times.