I can add another anecdote to the crowd sourced judgement..

Wife used to live in Vienna, Austria, and always had private doctor insurance. Her fears came true as she had a serious medical situation and was asked to wait for weeks (with pain managed by painkillers) until the surgery she needed could be done. Her private insurance stepped in, and like magic she was treated in 3 days.

Now, I believe that healthcare should never be considered optional/treated like a business, and must be equally available to all without pre-conditions on their financial well wing, but inefficiencies in the system are not to be wish washed away.