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I hope you get better soon. Is there any sort of cheap yet good insurance you would qualify for, based on e.g your location, disabilities, income, or anything?
I must admit I don’t know a whole lot about the whole system (though a fair bit more than your average European), but I do know there are cases where you can get good health insurance for cheap. Though I’m sure you’ve already looked into what your options are.
Waze isn’t technically difficult to replace, but it is going to be difficult to replace because the replacement needs critical mass to become useful. There’s no point using it over some other navigation app if people don’t report stuff.