squeak,
Most insurance companies have a “lifetime limit”, usually about $1 mill, beyond which they don’t cover medical costs for an individual. Very expensive drugs mean that more and more people are losing their coverage because they’ve exceeded these limits.
Regarding distribution of organs, I think to some extent individual transplant centers make their own rules regarding who receives priority for transplants. Some hospitals may give stronger consideration to the recipient’s future health prospects than others. (Generally these centers give priority to local residents, which is why someone waiting for a transplant may move to another city to improve his prospects of receiving an organ).