You make a good point
Number 4 does seem to imply some form of centralized planning and selection of a "best" way to do things.
The way the market works is that thousands of people work out how to do something in a way that works best for them. Maybe one method will tend to predominate if it's really good, but force shouldn't be part of it.
Obviously insurance companies will also insert themselves into this equation, but there are lots of insurance companies, and if they're not crippled by universal mandates, and allowed to work freely, they too will arrive at many different ways to do this.
It's about choices, and freedom.
It's possible they're talking about government programs like Medicare, but they don't make that as clear as they should.