Exactly. The issue is not just that mandates exist, but that they exist without any public alternative. If the government is going to require participation, then it must also offer a public option that does not rely on profit. That is the ethical baseline. Otherwise, this is not governance. It is forced commerce.
Reform is valid when it puts autonomy first and removes private dependence. Voluntary insurance is fine. State-managed basic coverage with optional upgrades is fair. But the current setup forces people into a privatized system just to participate in everyday life. That is not sustainable. It is morally broken.
You are right that full dismantling may not be necessary, but the burden should not be on the individual to conform. The burden is on the state to stop outsourcing basic access to industries that exist to profit off limited options.