Back Surgery is pretty expensive so if you do medically need back surgery then the health insurance is the way to go for paying for your back surgery if it's deemed medically necessary by a doctor.
If you have to pay out of pocket for back surgery the back surgery can cost from $14,000.00 to $30,000.00 so it's a good idea to have health insurance and if you need to have back surgery have the health insurance cover the cost of the back surgery.
Otherwise you'll need to take a huge loan to pay for the back surgery to be performed unless you have the cash money to pay out of pocket for the back surgery.
Back Surgery is not always advised and sometimes can cause back problems to become worse so only do the back surgery if you have no other option and it's deemed medically necessary unless you want to have the back surgery anyway.