It isn't. It's inhumane the way these companies are behaving. They're a threat to society and this is humans' instinctual response to eliminating threats.

We are giving thousands of dollars of our money to a company to insure that our life and health will be taken care of, it should NOT be up to these companies what methods of remedies that a person needs to be kept alive and healthy are "deemed necessary"

Furthermore; these companies CEO should NEVER be paid more than a average median citizen... full stop. There's no reason an insurance company employee owns a yacht.