How can a person argue that health care services in America are provided efficiently, but not fairly?

What will be an ideal response?

The assertion that the health market is efficient implies that competitive market forces determine the level and quality of health care. Where the demand for and supply of health care intersects, the marginal benefit and marginal cost of health care are equal. This equality means that the people who are demanding health care are willing and able to pay the price, which is equal to the marginal cost of providing health care.
However, at that market price there are many people who cannot afford health care. These people, probably the poor and uninsured, are left to go to clinics, crowd emergency rooms, or else do without basic health care needs because of their lack of ability to pay the market price. This outcome could easily violate the "it's not fair if the result isn't fair" view of fairness. Thus observers who assert that the U.S. health care system might be efficient but isn't fair are using the "results" view of fairness.