Health care in America is obviously very screwed up. That said, there are resources out there available for people, but it's hard getting the word out about them.
For instance, people with a disability have access to a special savings account called an ABLE account. If you or someone you know is losing benefits because they have too much money in savings, this account is their way out of that problem.
https://www.ablenrc.org/what-is-able/what-are-able-accounts/