Often people are given too much care; i.e. too many people running immediately to the doctor for a runny nose because their employer pays for the care, so why not?
But just as often people don't receive personalized care for their real needs.
This is because health care is NOT consumer-driven. When the consumer is in the driver's seat doctors and hospitals provide efficient service, not over-servicing and/or under-servicing. But our health care has been controlled by employers and Gov't for years.
Some of the over-servicing you describe takes place at the lower end of the scale.
Low income people rush to the emergency room for routine complaints because they know can’t be turned away, and that the gov’t will pay.