I think healthcare in the US is riddled with ways to "accidentally"* spend the entire accumulation of your wealth, leaving absolutely nothing to the next generation.
Long term care is needed by a lot of folks over the age of 65 (~70% of adults age 65 will require at least partial long term care).
Even "reasonably cheap" care (in my experience, roughly the same quality as living in a college dorm, with a roommate and a meal plan) can easily run 10k/month - or 120k a year.
Of those needing long term care (roughly half of all folks): Men will need that care for an average of ~2 years, women nearly 4 years. 20% will need that care for 5 years or longer.
I watched my parents spend all of their inheritance covering long term care costs for their parents (Alzheimers is a bitch). Once the inheritance was gone, they worked longer than they would have preferred to continue covering those costs (my mother only retired this year when my grandmother died of covid - as horrendous as it sounds, it was almost a blessing).
My personal take is that "single family homes" and "private healthcare" are a literal fucking disaster for long term wealth inequality. That policy combination takes a lot of middle class families and leaves them poor.
* - I personally don't think it's an accident at all, I think it's very, very intentional.