One of the reasons I wanted to be a high earner as a kid was because I saw people go under due to medical expenses and expenses taking care of handicapped people. Fast forward a couple of decades and... I'm taking care of handicapped family members and paying a shit ton for an admittedly fantastic medical insurance plan. This would be extreme hardship for most people, but I was able to retire early & am able to handle the load.

I will say there are tons and tons of programs for people in this position. I haven't taken advantage of any of them but most areas have some kind of "navigator" to help you find the ones best for you.