The primary constraint that you are glossing over is that there is a premium that must be paid that most people cannot afford (if they can even access a plan like this outside of a group). Add in the co-insurance, deductibles, uncovered procedures, etc and that becomes a VERY hard constraint on most families. Are you not aware that healthcare affordability is one of the main political arguments for the past few decades?

You must recognize that you are in a position of extreme privilege. Most people simply do not have access to a plan like yours, or cannot casually afford the many thousands of dollars on top of premiums it takes for the insurance to start paying for things. It is not a given that every employed person has 1. a health insurance plan 2. that is paid for in any way by their employer.

Simply put: money is the constraint. You are wealthy enough that you fail to see that spending thousands of dollars is a constraint. Lucky you. That you have never even heard of daily medical treatment tells me that you are also extremely privileged to have never been chronically ill or even known the health needs of someone who is. I can't speak for your insurance policy, but my experience with chronic illness and US insurance companies is that an insurance company that paid for daily treatments without at least making someone jump through many hours of hoops is incredibly rare.

Not only are you uncharitably interpreting my words, you’re making incorrect assumptions across your entire comment here. You’re also shifting from “post workout recovery” (which implies something very non-medically needed) to chronically ill needs, which is either moving goal posts or is just being difficult.