I disagreed with one point. Flu shots should be covered by insurance as a communicable disease that has the potential to spread rapidly to the whole population. It is not like a scraped knee.
I would add that medical education is so expensive that many doctors have huge debt upon finishing their training. This could be offset by pro-bono care delivered to the poor. Additionally, pro-bono care could be delivered in lieu of taxation on real income. This would ease the burden of treating the poor on society as a whole.
Good article overall.
I like, and agree with, your two points.