The estimated cost of a liver transplant is $577,100.
Then insurance premiums should go down. But that would probably be in the long run.
Not very likely with Obamacare, which has taken a dysfunctional and outrageously expensive health care system and made it even more dysfunctional and more outrageously expensive. Obamacare has resulted in a huge amount of drug price inflation. Gilead Sciences is taking advantage of pricing anomalies made possible by Obamacare, but they didn't create this, Obama did.
I think if people purchased health insurance like they buy car insurance and life insurance and home insurance, we wouldn't be seeing prices anything like this. $300/year is optimistic.