[0]: https://healthysanfrancisco.org/ [1]: https://www.medi-cal.ca.gov/
My understanding is that the worst difficulties (bankruptcy, avoiding care, crippling premiums, large out of pocket) are in fact experienced by middle income people who don't qualify for Medicaid/Medicare. There is none of that in the Netherlands.
The things you’ve listed aren’t income inequality, they are a social safety net. Having access to healthcare doesn’t put you much closer to a billionaire in terms of wealth. Perhaps a weak social safety net is to blame, but given that SF has some of the most extensive social services of any city in the US, that also seems unlikely.
If I had the money I made in the us then I could have maybe put them in a private hospital. You’re only as free as how much money you have in your pocket, nothing else matters.