I don’t find this completely unreasonable. If you don’t want the “mandatory” coverage, you don’t pay, and you don’t get it, but they still handle emergency care.
The only thing I see wrong is if the mandatory coverage is absurdly overpriced because of BS add-ons for PC medical items like sex change counseling and similar voluntary items that shouldn’t be socialized.
We only need two healthcare laws.
1) If you can’t pay, either privately or through insurance, no healthcare provider is obligated to treat you (outside of stabilization in an emergency).
2) Any healthcare provider who decides to treat those who can’t pay is forbidden from spreading the costs to those who can pay.