You’ve missed a step. No business can withhold “healthcare” from anyone. The employer can fail to offer insurance that covers (X), but the employee can go out in the market and buy what he wants.
For example, I was at the dermatologist this morning to have a creepy-looking mole removed and biopsied. While there, I asked them about removing some other moles that don’t show any signs of pathology. The technician looked it up, and found that it would cost $50 for removal and over $100 for lab work, because if they take it off, they think they have to get it tested.
I can pay for this in cash, if it’s worth it to me. I can also look for another practice, perhaps one specializing in cosmetic procedures, which will just remove the moles and skip the lab work.
Either way, the failure of our insurance company to cover this procedure is not stopping me from accessing the “healthcare,” any more than it stopped me from getting a shingles vaccine that was not covered for patients my age. My doctor called in the prescription to the pharmacy, and I paid them.