Actually it looks like the calculation goes the opposite direction, basically disposable income is calculated by adding your income in dollars to other benefits you get (healthcare, food stamps, etc.), and subtracting taxes. So that is kind of accounted for, since in countries other than the US their healthcare benefits year-over-year will be added to their measured income.
For the average person though there isn't much risk of having to pay tens of thousands of dollars for cancer treatment. The vast majority of Americans have health insurance, and your costs are limited by the out of pocket maximum.
> your costs are limited by the out of pocket maximum.
“Limited”, ha, ha, ha, to $8k for an individual/$16k for a family. (Very generous of them to assume a family has two wage earners making equally as much.)
Better hope your cancer treatment doesn’t span two calendar years.
I imagine it's easy to have high disposable income today, if not allowing for the cancer treatment you may pay for tomorrow.
As said, this is a question. I understand only some people in the USA have full health insurance.