Everyone choosing what is exactly right for them implies those choices are all possible and the complexity, risk and cost profile also makes sense.

Those things are not true, and the outcome is rapidly escalating cost and risk exposure.

This has been addressed in many ways, and one of the easier ways is to have government fund those bennies to provide a respectable floor. People who need more can choose to do that and the market for such things would make much more sense and be lower cost and risk for everyone.

An example seen worldwide is supplemental plans that operate in addition to primary plans, which are actually illegal in many parts of the world due to the inherent conflict between profit motive and health care.

You wanting to keep your money and make choices is very different from wanting other people to keep their money, which is an overreach frankly.

Further, in the current scenario, you really can't be sure medical people have your best interests in mind because the priority is making money not making sure we have healthy people.

When medical people are free to actually make healthy people a priority, the discussion about best interests becomes a much easier one.