You may never be able to afford it, and your private insurance may not pay for it, but Medicare will without much fanfare. So if you’re planning on living past 65 it could happen.
There's a completely non-zero chance that I won't be able to afford to live to reach 65 and will be therefore will never gain the availability of the possibility of receiving an organ transplant.
For now, it remains a luxurious and unattainable concept to me.