Access to health care gets conflated with some universal or Obamacare-type system, though.

Case in point: my grandparents are on medicare. They pay basically nothing for it. One of them just had bypass surgery and the other a knee replacement. Cost to them: $0.

We pretty much have universal access healthcare in the US before the Obamacare stuff if you go through the system.

Well, that depends on the government. All the way from the very basic necessities to keep citizens alive to a guaranteed minimum income and full health, education and other services.

I don't think that there is any right level for all countries.