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Every system has gaps. I just told you of a dweller who fell through the gaps in your system.
Here's the difference though: the cases you mention if people unable to get an operation to remove excess skin are a handful and that handful makes the national news. You have 20 million people with no insurance. 20 million people falling through the gap. You shouldn't even call it a gap in America: it's a fucking abyss.
Dentists are a special case: they never fully came into the nhs. Guess what though: you can get dental insurance for private care just like in America. And the stories about people unable to find an nhs dentist are overblown and out if date.
You are picking up a few examples of the system not working perfectly 100% of the time. But you have 20 million people unable to access the system you think works better.
There are gaps here but they're small and they aren't full of poor people or people who've been refused cover because they're already sick with a pre existing condition.
So yeah the insurance companies would cover that operation - for the fortunate insured.
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