I have a health condition which hasn't been caused by lifestyle issues (someone always brings that gem up, so pre emptying.)
I have psoriatic arthritis. This required plenty of meds, quarterly blood tests, bi-annually consultant appointments (minimum, sometimes more), routine stays and scans, occasional steroid injections, regular pain medication and more.
As a result of covid I have hypertension- never had it before, hospitalised with it when I had covid. Now on two lots of medication daily plus regularly nurse and/or GP monitoring. Second dose of covid I was given an IV antiviral infusion to help reduce symptoms.
Until a couple of years ago I had SVT, no known cause or trigger. Had ablation surgery to correct it.
After a failed induction abd emergency c section I had Asherman's Syndrome where my uterus has basically stuck together in a ton of places. Had years of constant pain, so regular pain medication and regular gp appointments until finally referred. Then had several consultant appointments, and resulted in two OPs under GA and hard core medication for several weeks after each.
Caught a nasty viral bug and resulted in pneumonia several years ago. Ended up hospitalised on Iv antibiotics, followed by more abs taken orally over a number of weeks. Needed several scans and blood tests during that time.
So, none of the above are 'my fault' - all have just been unfortunate for me. But all would cost a whole heap of money.
I wouldn't be able to get insurance with that medical history (travel insurance premium costs be enough and life insurance is just a no go as it is) for an affordable price.
So then what? As a household we aren't low income, Infact white the opposite. But if I had to pay for all that treatment, when none of it is of my doing, then we'd probably end up be struggling financially.