Constraint-free purchase of health insurance would mean that I could sell you health insurance that would 'insure' that you could only be doctored by me, on my yoga mat, with a chainsaw. Someone less principled than me would have the same idea --- or one like it --- and sell a billion innocent souls a false comfort and a dangerous service. So someone would. Like someone has already sold those same people fake food that's killing them.

Do you like alive citizens, or dead ones? The utopia you seek may be for the machines and the undertakers. And the undertakertrons.