I don't think you understand what "utilitarian" means. My expectations that licensed professional will adhere to the standers of the profession in which they have been licensed has nothing with a cost-benefit analysis, and everything to do with notions of trust and vunerability.
With freedom comes responsibility. If the exercise of your freedom of religion means you can't responsibly be a doctor, don't be a doctor.
If your doctor converted to being a Christian Scientist, would if be okay with you if they refused to suggest medically indicated surgeries? What should be the burden on you to keep track of this?
Sometimes pain is good for you.
I still think the best option for our country would be something close to the German model. Government pays, but private insurance companies administrate, and people choose whihc private company ot use. Bonuses get awarded for good management of the population and for taking on people with chronic conditions. Employers don't have devote HR staff to insurance care.
I honestly hate that arrangement. The government giving guaranteed business to private enterprise and most likely effectively shutting the door on anyone trying to enter the market. The only thing worse is our privately run prison system that has incentive to increase our prisoner population and keeping their customers incarcerated.
I agree you would need significant start-up capital/connections to open a health insurance company within a state under those conditions, but that's already true today. I honestly thought you would be in favor of insurance companies competing with each other for direct customer choices. Prison is indeed different. Prisoners don't get to choose to which prison they are sent.
I don't mind disagreement. However, I would like ot see your answer, or the answer of anyone else worried about the doctor's/hospital's religious freedom, to answer my question about whether their right to practice religion should be allowed to supersede the right of the patient to receive optimal care, according to the practices of the medical profession.
Look, if an auto mechanic doesn't want to do a front-end alignment I don't see how a customer has any right to force them to do a front-end alignment, even if that's what their car needs. The customer is free to find a new mechanic.
If a doctor has a personal objection to performing a specific procedure or providing a certain type of care they shouldn't be forced to perform it because they are a doctor. Same for the owner of a hospital.
How can you argue that a person should be forced to act against their will, especially when they have a moral objection to the action?
What if the person just got hit by a bus, is unconscious, rushed to the hospital in an effort to save their life, and the only hospital around is some religious hospital that doesn't believe in current medical technology?
In just about every skilled profession there are standards that have to be met in order to get licensed. I have no problem holding doctors to standards.
If being a doctor conflicts with someone's religious belief, then they shouldn't become a doctor.
What's next, soldiers who don't have to kill anyone because it's against their religion?