I don't think anybody says it would be free (what is free except air and love anyway?). But it is universal and also available if you are not working, are unemployed or retired. If you are not earning any money, then you still receive the same level of care.

You are right that it doesn't cover everything, but in my experience these are primarily things where there is a high level of own influence or electivness (dental implants, lasik, glasses) and or cost/benefit isn't proven. Since a basic level of care is provided I don't mind that.