For millennials with chronic medical conditions — or those raising kids with chronic conditions — health care can be an enormous monthly expense. About 44 percent of older millennials born between 1981 and 1988 have at least one chronic health condition, including migraines, major depression and asthma, according to a 2021 survey of over 4,000 adults conducted by The Harris Poll on behalf of CNBC Make It. And many millennials are also caring for children with complicated medical needs.