I live in a semi-rural area. There aren't a lot of independent doctors, although there is one gigantic, multi-tentacled medical group with hundreds of doctors (who, incidentally, donate large sums to the local tea party candidate).
That group won't accept my insurance, which is skimpy.
So I have to take my chances with the independent practitioners, many of whom have limited hours or out-of-the-way offices...and limited hospital privileges. And, not even all of those will accept my insurance. My choice of doctors is limited to about 2 or 3. If I want the OB-Gyn who treated me for a serious condition several years ago (when I had better insurance), I will have to pay out of pocket for her services, as her group does not accept my insurance.
This is not a snooty rich-people problem. The crap policies don't pay doctors enough to make it worth their while to accept them. If you think your premium dollars are going to doctors, think again.