I’m in America and this isn’t an issue. I don’t know anyone where this isn’t an issue, in fact there’s this thing in America called SSI designed specifically to help the chronically unhealthy without even a need to work.
it’s a means tested program it’s really difficult to get onto especially if your disabilities make it hard to correctly sort out all the paperwork
It depends on the state, but it’s not like it’s not there for people, which debunks the idea the American system doesn’t care about health, as poorly prepared as the healthcare system might be.