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https://www.yahoo.com/news/articles/cheap-health-insurance-promoted-trump-170956826.htmlThe difference between the two options became all too clear after Hays, Nath and Liz required surgery: Their cheaper policies left them facing bills of tens of thousands of dollars. Hays is facing bills of $116,000 for neck surgery required after tweaking his neck while lifting weights; Nath had heart failure and got bills of $82,000; Liz is stuck with bills of more than $100,000 for a knee replacement.
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Compare Ireland's system, which just might be among the worst in the EU. Still, it's damn good when put up against the three cases you specify!
https://wise.com/us/blog/healthcare-system-in-ireland