It's gonna be 16 years in February that I've been a financial coach and I've helped literally hundreds of people at all income levels and backgrounds achieve their financial goals. What I said is the truth and my clients can attest to that.
Healthcare bills are just another debt. Health providers are almost always willing to work out some kind of payment plan and we tackle it the same way we would a credit card or student loan. Additionally, there are things like HSA contributions that can help you save some money on healthcare bills. Usually in the range of 10-20%.
You mentioned doing this as a side gig? If you could give a few pointers to info on how you got started? Sometimes I think it would be rewarding to do something like this at a low-cost or volunteer basis for people who need help.
You could get certified as a financial advisor if you want to give investment advice or look for some financial coaching training programs.