“People can choose their insurance company” is only technically true. Employers tend to offer a limited series of plans, probably from the same provider, and most people in the normal income range are going to pick one of the employer-provided plans.

If we say instead “people can choose their insurance plan“, this is maybe a little more true since often there are multiple coverage levels offered, but it’s still a fallacious argument; you’re not going to worry about having titty skittles and moob augmentation surgeries covered by your health insurance provider unless your teen memories include jerking off in your sister’s panties (an overgeneralization, but one with a lot of truth in it).

For the other 99%, it’s just adding dollars to their health insurance premium so that the office Kaitlyn Jenner doesn’t have to save up for his cosmetic surgeries. Most people aren’t going to want to do that, but most people are also too polite to say that they don’t want to do that.