Do you go to a special doctors office for the top 5-10%? The one I go to is full of ordinary middle class people. 80% of Americans polled rate their healthcare as excellent or good: https://news.gallup.com/poll/245195/americans-rate-healthcar....
The American healthcare system isn’t hard to fix because it only works for 5-10% of people. It’s hard to fix because it works for 80% of people. Americans don’t irrationally cling to a system that’s bad for 90% of them. (Even among Democrats, a large fraction oppose getting rid of current health insurance: https://slate.com/business/2019/10/medicare-for-all-is-getti...)
Americans stick to the current system, because it works for most people. Most middle class people don’t go bankrupt when they get sick. And the middle class pays the lowest taxes in the developed world, because they don’t pay 20-30% payroll taxes like in European countries to support healthcare for the bottom quarter of earners. That’s the bargain people have voted for. That is obvious, because candidates who campaign for Swedish style healthcare don’t propose Swedish style taxes to go with it. Elizabeth Warren isn’t running on a top tax bracket that kicks in at $75,000 — she’s running on a wealth tax Sweden abandoned and corporate taxes higher than Sweden. Because Americans won’t vote for the bargain between healthcare coverage and middle class taxes that Swedes have adopted.
It’s not the system I’d prefer, I’d rather pay more taxes and make sure the bottom 25% have adequate healthcare. But the notion that everyone is actually irrational and the current system only benefits a small minority is self deception.