Cats contract toxoplasmosis from rats, so if your cat hasn't eaten a rat then they're unlikely to have it (apparantly the bug gets inside the rats head and disrupts the part of the brain that fears predators, so they become stupid rats and are easy to eat). I've lived with cats all my life and fully expected to have contracted toxoplasmosis and be immune to it, but nope, haven't ever had it and have no immunity (blood test); but the cats I've had have never been interested in eating anything that didn't come out of their bowl.

DH does all the litter handling, I haven't changed how I interact with them except for a little bit more vigilance with hand washing. Both my cats are fully indoor cats and would probably hide if a rat showed up.