I've lived about half my life in America, and about half in London. Thankfully, my health (and dd's) has been good, so I have limited experience of either healthcare system.
But here are two observations about the system in America:
- For about a year, I worked as a secretary for a doctor whose practice was in a poor part of town. The healthcare of most of his patients was funded by the State (a program called Medicaid - which just as it sounds, was there to help those with low income). The patients on that program came to the doctor whenever they needed/wanted completely free of charge and the doctor was then reimbursed by the State.
Perhaps because there was no cost to them, we had quite a few 'regulars' who appeared in the practice waiting room every few days. In many instances it seemed their lifestyles were literally making them ill, and they looked to the doctor for help. What he could do was limited because their bad habits (sedentary, poor diet, smokers, drinkers, etc) needed to change to make them feel better. I also think some of the patients were depressed/bored, and coming to the doctor was something to do - and again, they were looking for something to make them feel better because he could find no physical reason why they were feeling so poorly.
Anyway - long way of saying, these were people who were unable to pay, and their costs were completely covered by the local government.
- As a pregnant woman, I was considered 'uninsurable' by private insurance companies in America. Even though I could pay, the pregnancy was considered a 'pre-existing condition'. I was advised by an insurance broker to apply for coverage with the local government agency set up to deal with 'uninsurable' people.
After an interview, and form filling and some considerable redtape, I was covered. I gave birth to dd in one of the best hospitals, in a private suite, and it didn't cost me a thing. The government paid for it all.
I know there are horror stories, but I have not seen/experienced that in America.