I've lived in the US (fully private), Australia (universal healthcare) and Switzerland (a weird system somewhere in the middle of universal and fully private) a

I've lived in the US (fully private), Australia (universal healthcare) and Switzerland (a weird system somewhere in the middle of universal and fully private) and I've only had issues like you describe in the US. So based on this (very small) sample, it seems like there's little correlation between the funding system and the quality/access to care. I don't even think it's a matter of funding. For good care, Australia has relatively low spending, while Switzerland has quite high spending. For bad care, the US and Sweden both spend quite a lot (per OECD [0]). [0]: https://data.oecd.org/healthres/health-spending.htm https://data.oecd.org/healthres/health-spending.htm