You don’t need to be hospitalised for Multiple Sclerosis, but you’re still sick, and it’s still costing you between $60k and $90k/yr depending on insurance(https://www.verywellhealth.com/ms-treatment-cost-what-to-expect-5409576).

My ex lives in a country with socialised health care, though, and pays nothing for her treatments. You can be cavalier about it when the same is true in the US.