Only peripherally bike related (I tell him to ride more), but we have a very troubling situation with my wife's brother. He's always maintained he'd die by 50 and wouldn't need any retirement planning. He has never held any job (no social-security earning history) and has always been "borrowing" money out of immediate family while he lives a casual, party lifestyle (lives in San Diego area). He's supposedly a decent mechanic and occasionally scores on some "deals" (we don't ask). But now he's 60 and is apparently having some health problems ..and is looking to family to take care of him. We won't abandon him but I'm not putting my retirement or kids' college funds into an endless hole of medical bills for him. My wife is beside herself when he calls begging for money so he can go see a doctor (and he always wants the money first).
I don't know what care or diagnostic services are available through free clinics, or even if they exist in So Cal. I have suggested we contribute toward an HMO plan for him, and will research that option. I worry that getting a diagnosis of a condition prior to joining an HMO may disqualify costs for that problem.
I'm open to any suggestions.