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access to medical care is an undeniable human right (refusal to provide basic medical care can be seen as immoral)-- the question therefore should not be should individuals be provided with health care, rather it is how extreme of measures must be taken into account in order to provide medical health.
There are several types of arguments to be made; (utilitarian, deontological to name two)
these arguments provide a framework to guide moral decisions- depending on the position you take; the argument for what is the "right action" will differ.
example for the insurance companies *-- on refusal of coverage for a patient at the end of their life where treatment will not prevent death only postpone it they could argue that their refusal to provide for one individual at the cost of say $500,000 could be "better" spent on preventing the death of say 20 prematurely born infants who have a whole lifetime of opportunity ahead of them (as well as a whole lifetime to put money into the insurance system).
*I’m not really defending insurance companies seeing they rarely provide the services they advertise rather it is just an example of a utilitarian justification set within the example of the insurance company provided
If you are not persuaded by this example wrap your moral conscious around this -- is it justifiable for the western civilization to have medical resources spent on medical problems such as cancer and other advanced diseases when a majority of the planet suffers from malnutrition, lack of clean water, and basic immunizations which are in medical terms easily provided for?
is it justifiable for the many people of Africa to be provided with clinical trials of HIV/Aids medicines only to have those medications removed once established as a viable product (to be sold to western patients)
while there may indeed be one answer to these questions it is difficult to persuade all to come to an agreement upon it -- when people have different motives behind them, they will inevitably produce some sort of justification that may seem prima face to be solid.