There are two different ways to handle the funding of care of people with serious disabilities and medical costs. The first is to attempt to get the payments for care of the disabled mixed up with the healthcare payments of others.
This is what we've been trying to do for the last 50 years.
It doesn't really work because, internally, the payment provider will always be aware of costs. The idea that we can mix the records up and somehow arrive at a more equitable distribution of care is a delusion.
The information doesn't get mixed up.
A better approach is to create a mechanism (like the Medical Savings and Loan) which provides a mechanism for all those who can self-finance their care, to self-finance their care.
This mechanism creates a filter that allows us to identify and recognize those needing additional care. We can then fund this additional care through openly acknowledged charity and public assistence programs.
The first mechanism seems more equitable, but is based on fantasy. The approach that openly recognizes assistence as assistence is more likely to acheive the results we desire as a society.
Fortunately, disability is the exception and not the rule. If it were the rule, then the human species would be going extinct. Such is the rule of nature.
A wise society builds its rules around the rules of nature. Building a healthcare system that is oppositional to the rules of nature is antithetical to natural living things.
If you are a natural living thing, you should be appalled at the healthcare power grab being debated in Congress.