That's one anecdote, here's another: I live in Australia. My wife and I have both used Medicare multiple times - in fact, we've never used our private health insurance (despite the government requiring us to have it). Medicare delivered my child safely via C-section, and saw them through all their important health checkups after. Our total out of pocket was a couple of hundred dollars for some early extra ultrasounds.

As for disability, my cousin is on NDIS. She is severely mentally handicapped - despite being 22 years old, she has the mental age of a 4 year old, and she will never improve upon this. Her NDIS plan makes sure that she is cared for and looked after while her parents go to work. In fact, NDIS even found her a "job" to give her purpose, she is able to sweep a local mall daily.

Now, are there flaws with both Medicare and NDIS? Of course! NDIS is filled with corrupt providers and a hopeless bureaucracy. It would save a lot of money if the state just managed it directly and had the providers on the books instead of enriching pointless middleman businesses. Medicare, meanwhile, would probably do better if I didn't have to waste a portion of each paycheck on a private provider there's no point in using. I'd rather just pay that portion as extra taxes to better fund the hospitals that the private insurances send you to anyway if your job is too complex.

If you aren't convinced of Australia as an example of actually a relatively good system, I'd encourage you to live in the US for a while, and try it out there. I lived in NYC for nearly four years and had a few health scares. Nothing was ever scarier than the bill :-)