I am the OP to this comment.
Thanks, but I can only work part-time due to my disabilities. I have 2 rare neurological diseases affecting my peripheral nervous system plus type 1 diabetes. Even as an electrical engineering graduate student this is a bad situation, being American. Not every person working in tech is able-bodied.
Via the Affordable Care Act, I am heavily disadvantaged. Not only do I meet the maximum out-of-pocket (both in network/out-of-pocket yearly), but I have a lot of uncovered costs. My out-of-pocket costs as an individual are well over $20K/year. Also, where I am from in the US, the ACA plans are only HMO plans. One of the immune-mediated neurological diseases I have is very rare, and I am lucky to be alive, as this disease has been life-threatening in the past. It is in remission now. However, the disease was discovered on NIH grant funds in the 2000s, so I really am tremendously lucky to be alive.
That being said, HMOs are a problem. There are only certain doctors who really know how to treat my very rare disease. If I want to stay alive, I really cannot be on an ACA plan.
The system is @#$% and I suggest you check your privilege at the door. I currently live abroad as I want to (need to?) stay alive. I also rely on certain, hard-to-obtain treatments, too.