1 and 2 both sound quite familiar in the US system too. Ineffective and dismissive treatment for back pain is a common complaint, and long ER waits for non-life-threatening conditions are normal.
Anecdotes don't really do anything for us besides give us pointless things to argue about. You need to look at statistics like life expectancy, quality of life, average wait times, unnecessary deaths, etc.
The fact that you have to qualify your final statement with "when you have good insurance" is the whole problem. Before the ACA, that was far from a given, and even if you had good insurance it was too easy to lose. If Republicans have their way, we'll be back in that situation again.
I don't get it when people bring up situations like your #2. I'm sure it really, really sucked to wait six hours in the ER with an injury like that, but is it worse than staying home and trying to treat it yourself because you can't afford to visit the ER? Is it worse than dying from a simple condition because you can't afford to see a doctor?