You write a new car, you write home repairs. I've never bought a new car, despite it being always an affordable option - they are simply too expensive, literally throwing money into fire. If you are a home owner, it means you are at least moderately wealthy, probably more.
If you ended up as a prisoner in some sort of golden cage, your own choices brought you there. Probably too late for you but a cautionary tale for others - dont go down that path unless you grok what it really means, its a decision for rest of life.
Also I never said don't work. Just dont be a prisoner of your company, with your rationale you already gave up the fight for yourself and ended up as a modern slave to... ability to afford health care treatment?
Maybe start some good sports, eat healthy and sleep well and healthcare costs will most probably not be your major concern till retirement.