My husband and I are in that boat.
Medical bills took us down and kept us down.
Just when we cleared it, had a few good years of enjoying life and raking in the cash, COVID jacked me up badly.
Now I’m having seizures every week and barely hanging on to my job at a time when we should be socking it away.
At least when I die, my husband gets a fat life insurance policy, no debt, and a $500K house. He won’t be living on cat food.
That’s rough. I hope something comes along to help you turn the corner.