Your points are baked into the data that I linked. The metric within is "HAQ Index" which stands for "Healthcare Access and Quality". I.e., access is part of the measure. In the US everybody has access, which is part of the problem that drives costs higher.
E.g., if you don't have insurance you can walk into an emergency room and get treated even if it's not an emergent situation. If you don't have insurance, there is a higher risk you won't pay. That cost then gets spread to others who do.
E.g., if you don't have insurance you can walk into an emergency room and get treated even if it's not an emergent situation. If you don't have insurance, there is a higher risk you won't pay. That cost then gets spread to others who do.