It doesn’t matter who pays for it, in the statistics it appears that an appendicitis generates much more economic activity in the USA than EU.
Healthcare spending per capita in the USA is 12K, the second most expensive is Germany and it’s 7K.
The life expectancy in Germany is 82 and in the USA is 77, so it’s not the case that Americans are getting much better one, explaining the higher costs.
Oh and that appendicitis? It kills much more Americans than Germans(0.08 vs 0.06 per 100K).