The whole thing is a boondoggle for insurers. You are exactly correct, health insurance is not health care. Not only does the doctor have to accept the insurance, the insurance also has to cover the treatments the doctor prescribes.
Of which liberals who scream about health insurance haven’t the foggiest idea about care. You can have millions of dollars of health insurance but if a doctor won’t take twenty bucks of it, it’s worthless. Next up some liberal law stating a doctor or clinic has to take it regardless of whether or not they’ll be compensated.