If you apply in the US, be sure the financial aid office is aware of your medical costs. At many places, that will change your EFC to account for it.
If you opt for math or physics, try an app at the University of Rochester. You sound like a great student for them, but you’d need to see if the costs worked out. Don’t assume it won’t. I’ve seen it go both ways with that school and you seem like an attractive enough applicant that it’s worth a shot IMO.