> someone has to approve or deny healthcare. Every universal system does it too, but by government policy instead of corporate decision
That's another lie you've been told and believed.
With Universal Healthcare the government just provides the funding. Medical decisions are made by Doctors.
I would love to know how universal healthcare works in your head
Nonsense. In every nationalized healthcare system there is care rationing performed by government bureaucrats. Regardless of a doctor's opinion on medical necessity, some treatments involve long waiting lists or third-party reviews or are simply unavailable. That might be preferable to our current system in certain ways but let's not pretend that there are no trade-offs.
For example, let's say you're in England and your doctor decides you need Enhertu or proton beam therapy. That decision is meaningless because the NHS won't pay for them.