Unless you are Peter Thiel, blood boy, oligarch tier wealthy, mostly, you would get a new heart, liver, lungs etc through the United National Organ Sharing Network. This network is made up of the transplant capable hospital networks in the United States plus some ancillary bodies for testing and coordination of resources. This system is likely to face direct cuts, plus the indirect damage being done to it by the attacks on Medicare and Medicaid that damage the participating hospital systems. It doesn't matter if you have the best of the best insurance if the hospital simply cannot locate an organ for you from a suitable donor. Money by itself won't locate an organ in a timely manner until you are just buying urchins off the street or paying for organs from political prisoners directly.