I think we are saying the same thing only using different words.
Yes we have this, which is not available to ordinary folk with the bare minimum of resources. I should note that in one source commented a stat worth mentioning. Hospital costs are high here. One cause is over-ultilization to which you mention ie most countries have average of 6 day stays and here we have 10 day stays.
Yes and you mention "good enough". Again it should be clear the results from other countries compares most favorably with the results here. So we should conclude there probably exists an equation which finds the "proper" equilibrium between adequate care and luxury care. The point being, high end care is available although not necessary.
ACA attempted to address this as a way to reduce costs i.e. cost effective care with the option to access high end care.