My own personal experience. Surgery can get really expensive in US. I had surgery of mine clavicle bone last year. According to doctor, it was a minor surgery. But guess what, the cost was over $20,000. I was injured in car accident. and did not have health insurance. So, the auto insurance covered upto $20,000. I ended up paying $1700. I am still paying it. I have set up a monthly plan and pay around $100 bucks each month. The good thing of this kind of hospital plan is the money does not multiply. There is no interest rate at all. So, whatever I pay every month goes towards my principal. All I am trying to say is even if your surgery gets costly, set up a payment plan as people above suggested and pay it every month. You make decent money. It should not be a big deal for you.

Yes, the bottom line is always have health insurance and good auto insurance if you can afford it! After that incident, I have learned a big lesson. I was damn lucky to have survived that accident :)