Can i get a break?

So I did not realize how horrible the United states health care system was until I came to college and heard the horror stories and then finally got sick. Scary incident one, I thought my family had great health care my mom is a nurse practionaer and my father a owns a medical transport company. My parents live in Gainesville and I in Orlando, I got very sick one day and in so much pain that I needed to go to the urgent care the closest thing. Even with my I though great insurance I had to fill out a booklet worth of paper work in all of my pain and pay 150 that I DID not have even before I saw the dr. needless to say I left in all my pain and cried myself to sleep and ending up having to go the the emergency room in an ambulance anyways. With all the money my parents are already paying I feel if I am sick I and have insurance should go to the dr without hassle. Another insane incident. We have not always had dental insurance but finally when we did took the opportunity to finally get my wisdom teeth pulled that have been bothering me for over a YEAR pushing my teeth together and hurting my jar to the point of tears after the insurance and all the money coverage I would still have to pay 400 out of pocket to get my wisdom teeth pulled also that I did not have. At this point my mouth hurts so much I would have headaches and not Tylenol would help. I tried every program in Florida possible but NO ONE does pro bono teeth pulling or at reduced price to I had to take out a credit card to get my teeth pulled. NO WONDER people are going bankrupt even with insurance. If I am already paying 300 dollars a month for insurance I don’t use every day and still have to pay for each procedure does not seem fair to me! Where do people go who have insurance and still cant pay the difference NO WHERE we are just out of luck!