I am not sure you understand how often for-profit insurance just says "no".
"despite a six-year span of growing literature and updated policies, nearly 1 in 5 patients diagnosed with FAI would still potentially be denied coverage. This highlights a continued divide between surgeons and insurance companies."
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8259176/
US insurance will also make you wait, mandating less costly treatments first, or have you go through a lengthy & convoluted appeals process to finally get covered.
I didn't say Canada's health system doesn't have delays or rationing of care, only that the US health system is not superior, suffering from exactly the same concerns you bring up about Canada's health system, yet costing the US like 200% more, while chaining people to their employer.