Again, you need some better PM resources, that's the underlying issue here, fixing 1 symptom will not cure the disease so to say. 

I have heart disease, my sister has brain cancer  and my mom is disabled.

There aren't that many diseases that give you that much advance notice outside of ALS.

Talked to my PM and she thinks since it's larger than a hotel room (4 beds and there aren't a lot of nearby hotels) I can get families with pets (which I allow since I took out all the carpeting) and there are no co-tenants (ie other hotel rooms) for a disease vector.Again, I was wrong and am happy, but I can see communities either raising taxes or refusing new permits (great for me) or just not allowing them (not so great for me).Also, location helps a lot plus room to park/live.My un-educated opinion.

The thing is if we're healthy, we can choose high deductible insurance while we can choose more expensive insurance if we've some disease.

“It’s brought disease, deaths, lockdowns, job losses and financial stress, plus culture wars and bitter political divisions.

Lifelong, systemic lack of access to primary healthcare and nutrition, as well as environmental factors like pollution, can contribute to a higher likelihood of illness and death from the virus, according to the Center for Disease Control and Prevention.

In that kind of diseased legislative environment, what did you expect? 

https://www.economicpolicyjournal.com/2020/09/the-center-for-disease-control-has-just.html

It is entirely dependent on your retirement plan provider, as some will require specific criteria to be met, however typically, you simply need to meet the one of the following :-You are diagnosed with the virus SARS-CoV-2 or with coronavirus disease 2019 (COVID-19) by a test approved by the Centers for Disease Control and Prevention;-Your spouse or dependent is diagnosed with SARS-CoV-2 or with COVID-19 by a test approved by the Centers for Disease Control and Prevention;-You experience adverse financial consequences as a result of being quarantined, being furloughed or laid off, or having work hours reduced due to SARS-CoV-2 or COVID-19;-You experience adverse financial consequences as a result of being unable to work due to lack of child care due to SARS-CoV-2 or COVID-19; or-You experience adverse financial consequences as a result of closing or reducing hours of a business that you own or operate due to SARS-CoV-2 or COVID-19.This is according to irs.gov.