Because Medicare rules are essentially laws, they are incredibly difficult to change. But contrary to this article, insurance companies still have inflexible (albeit less so than Medicare) rules. The only way to ensure the greatest amount of flexibility (i.e. personalized care) is to pay cash yourself.
This is not to say insurance doesn’t have any role, but it’s role is limited. The purpose of insurance is to cover unexpected costs, not day to day care. Your health insurance should work in a very similar way to your home insurance; if there’s a fire, it should pay you a lump sum which you then use to pay for repairs. Home insurance doesn’t pay for clogged drains or fresh paint, and State Farm doesn’t have a list of approved contractors, and that’s why home insurance is much cheaper than most forms of health insurance.
One form of insurance that puts you in control is Critical Insurance. If you are diagnosed with a critical illness (such as heart disease), it will pay you a lump sum which you can then spend as you see fit, not the way dictated by laws and regulations.