I think to base you desired leglislation more on invidual cases you've seen than hard numbers. You also have a tendency to generalize individual cases believing the examples you have given represents the majority of people without insurance.
Of course, I disagree with this method of deciding law, to me law should be decided in the interest of society as a whole.
I personally believes that the system that would be benefit the system more as a whole financially as well as for the wellfare of people is the "socialized" one (meaning what they have in Europe). I base this not on emotion or ideology but only hard numbers. Those are some I've shown in this message:
EvC Forum: Baby Denied Health Care Coverage For Being "Too Fat"
In light on the numbers I've presented, I think it makes no doubt the U.S. system is worse because it provides less healthcare for a superior cost. It just means that it's plain innefficient for the purpose of providing healthcare (but it is if you think its objective is to enrich a few only).
That's why I would understand, if you are working in health insurance, that you would defend the current system (even though I would find repulsive the idea of risking people's lives for the sole objective of gain more money).
But if you do not, I don't see how you could defend it if you are not working there, because it is just plain costlier for you without giving you any benefits compared to most other OECD countries.
That's why I would like to know why you prefers the U.S. healthcare system over more efficient and less costly system.