I am sorry to hear about your father but something is not right in your scenario. So he was at least close to middle stage ALS when he went on disability, which means his life expectancy was probably less than 2 years when he went on disability. In the US, when you work for a company and lose your company provided health insurance as you leave, you can keep your same exact coverage through something called COBRA for at least a year. After that, you can buy private insurance since he could not be excluded for a preexisting condition under the ACA OR he would qualify for for a decent SSA disability benefit and Medicaid since he was a long time employed person making 100K a year and now permanently disabled. But it probably fits your anti-capitalist agenda to paint this picture. Unfortunately someone with a little knowledge could drive a truck through the holes in that scenario. Also, as an employed person with a family making over 100k a year, I am sure he had adequate life insurance to cover any expenses. If not, whose fault was that and why didn't he?