I'm in that basket. I can't reliably commute due to a neurological disability that prevents me from driving. I've been WFH since 2015. It's harder to find WFH jobs that pay as well. I also rely on expensive drugs to manage the condition. I absolutely cannot take the risk of being without health insurance. It definitely makes it a lot harder. I can't really tell prospective employers about the disability, it will just scare them off.