An operating theatre cost many thousands of dollars an hour to run, the pre and post care is also very expensive. You may never need them (I hope you do not) but if you do it would almost surely bankrupt you without either socialised medicine (yay - sort of - another story) or insurance.
Certainly when things go wrong it can get more costly but the US consistently costs 2 to 3x more for everything AND usually has worse health outcomes. US maternal mortality is an embarrassment: https://www.cdc.gov/nchs/data/hestat/maternal-mortality/2020... .
An operating theatre cost many thousands of dollars an hour to run, the pre and post care is also very expensive. You may never need them (I hope you do not) but if you do it would almost surely bankrupt you without either socialised medicine (yay - sort of - another story) or insurance.