Insurance makes a huge difference in quality of medical care in the States. When my wife's kidneys went kaput last January and she ended up in the hospital for 11 days, the bill was $65 k. Our copay was just a few hundred dollars. There is no copay after day 4.
Even with all the co pays for doctors, nursing facility and dialysis, our total out of pocket came to only $3,400 and we have maxed out on doctor and hospital co pays for the year.
Our insurance is a Medicare enhanced plus RX plan. Each of us pays about $165 a month premiums.