My wife had an issue with her eye that was giving similar symptoms to macular degeneration [1] in 2016. I had insurance (it might have even been UHC, but I'm not 100% sure), so we went to an ophthalmologist's office, to get it looked at.
When we get to the office, we find out that just the copay for this was going to be $550. I was kind of crap at saving money back then, and I had a job that didn't pay great, and I remember I had exactly $578.23 in my bank account at the time, and I still needed to pay my rent. I had to kind of awkwardly tell my wife "sorry, we don't have the money to have your eye looked at and pay our rent", so we leave without her getting any treatment.
About 4-5 months later, I got a better job with much better health insurance, so she went to that same ophthalmologist, and our copay was less than $50. The entirety of the work that this ophthalmologist did was refer her to a retinal specialist.
This means that I was initially going to have paid more than $500 just to get a god damned referral, and just to re-emphasize this, we had health insurance.
I remember how upset and frustrated I was with that entire situation; it felt like I was doing things the "right" way by getting a desk job with health insurance and yet I still couldn't afford to get the treatment that my wife needed. It just felt...unfair? Like what exactly was I supposed to do differently here?
It didn't really "change" my perspective on this, I had already been in favor of moving to a universal healthcare system, but this thoroughly solidified my perspective on it.
[1] Fortunately, it wasn't that, it was an autoimmune thing. Still not great but better than we initially thought.