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I’m sorry to hear about your situation. This article focuses more on efforts to reduce the number of uninsured people and is aware of what you’re saying about costs:
That's great and I'm glad to hear it. It still isn't universal healthcare by any means. Universal healthcare means removing profit motive from the system.
Yeah the article seems to draw the definition from this:
https://www.acpjournals.org/doi/10.7326/M19-2415
You are wrong. "Universal health care" has nothing to do with removing profit motive. It just means everyone has access to health care, be that through public or private (ie profit-driven) insurance.
I think you're meaning to say "single payer" health care, which is where the government spends a portion of tax revenue to pay for health care for everyone.
Yes, with the additional qualification that it does not cause financial hardship. The US does not have this.