I don't see how that's different than what we have today in the US (before the ACA was put into law).
I am covered under my employer's plan, right now. If I want extras, I can pay for them. Someone who's not covered by any insurance can walk into a clinic and be provided care. If they can't pay, they don't pay.
But who, in your system, determines "medical need"? IF I walk in with a stuffy nose, will I see a doctor today? (Of course, what's the rush, I don't have to worry about work!)
In our new system, the paper work trail has increased about 10-fold. The Insurance coding system has added about 6 digits. If you sprain your ankle, they have to code it by how you sprained it. Was it work related? Were you doing sports activities(which might mean you pay for your treatment yourself)? Skiing, walking down the street, skateboarding, playing baseball? You can perform a perfectly legal activity (smoking) and the health panel can decide you don't qualify for lung cancer surgery based on that. Also, if you're 85, and your knee gives out, you're likely going to be confined to a wheelchair, because you're too old for a knee replacement.
And still at least 10-15% of the country will not have health care insurance. You see, Obamacare wasn't about health care. It was about insurance.
Really. Great. System.