It isn't universal healthcare if you exclude anyone for any reason. It still can be public healthcare with alternatives for private insurance schemes. It would be most unwise to kill universal healthcare because of the threat or costs Covid poses.
Like many things in life, absolute universal healthcare is impossible. At limit it implies life without death and youth without aging. The utopian ideal must contend with the reality that resources are finite and accept tradeoffs.
You have set boundaries for the quality of healthcare, but it isn't utopian to not set any conditions for eligibility of health care. That are two different topics.