It can depend on that in America too. I used to live near one of the best cancer institutes in the country. One of the horrifying realizations I had at a young age is that it likes to put people in incredible debt while offering options to everyone as a form of marketing.

My friend had spinal cancer that they got treated and they were on the hook, after insurance, for like 200,000 dollars. Took years to get it negotiated downwards.