I think this is actually an opposite problem. For kidney failure in particular, you can check the insane amount USG spends on end stage care. The demand for healthcare at the limit exceeds any reasonable supply. Healthcare spending across counties goes up pretty much with disposable income. There are massively expensive interventions that could give someone close to death few extra months.
Healthcare has to be rationed. Rationing by market is the least bad kind of we learn anything from history... Too bad healthcare in the US is not a market in any way or form, and in fact the most expensive least DALY efficient interventions (Medicare) are subsidized at the expense of everything else.
In a society that values McDonald's staying cheap and Coca-Cola superbowl ads, maybe this is true, but it's not a universal rule at all. On the other end of the spectrum from kidney transplants are regular checkups and ability to walk into any doctor's office to get your flu/cold checked out. Rationing healthcare at these stages is only going to make it worse as people wait until they need an emergency room visit to get care.
Healthcare has to be rationed. Rationing by market is the least bad kind of we learn anything from history... Too bad healthcare in the US is not a market in any way or form, and in fact the most expensive least DALY efficient interventions (Medicare) are subsidized at the expense of everything else.