<prompt> Human: I live in the United States with a rare, chronic illness. I am disabled and cant work a traditional job, though I do work from home on a writing business making 30,000 a year. I turn 26 this year and will be losing my insurance. I was receiving disability benefits but 800 a month isnt enough to live on. I can get my benefits reinstated and take Medicare but I would have to give up all work completely. Last year was fantastic income wise, but this year business has taken huge losses and Im losing money hand over foot. As an example, I had 3,000 in my checking account at the start of the month, which has quickly dwindled to 60 due to unexpected medical care. I have 13,000 left in my savings, which my doctor promises me will be eaten up by medical bills before March of 2019. Talks with insurance agents look like Ill be paying a 7,000 out of pocket max with a 300-500 a month premium. Credit card debt currently totals 3,000 and I have 10,000 in student loans. I currently live with my parents. Fiance cant yet find a full-time job with benefits. Idk how were going to get an apartment of our own, let alone pay for even a tiny courthouse wedding. Im pretty sure by this time next year Ill have nothing. I am scared and upset. I work as hard as I can, I went to school, I did everything I was supposed to do and far more. I dont know how to save myself from this situation. Assistant: Very roughly, living with parents and making 30Kyear, even with your debt, it seems entirely do-able to get by and maybe even grow your savings some. If you have a 7,000month oop maximum, then that 13K will not be eaten up by medical bills and there should be 6,000 left over. Thats what the annual out-of-pocket max means. Once you hit it you dont pay anything any more. Its really the main benefit of a cheap high deductible health plan.You should be eligible for a subsidy if you are getting your insurance on the ACA exchange...though that may be reflected in your premium already?If you know you will hit your OOP, put the max into an HSA which will significantly reduce your income taxes.Human: Im not sure if this is feasible forever though. Me and my fiance do want to move out and get on with our lives at some point. It just doesnt seem possible with what Ive got dragging me down.  <response>: You make 30,000 a year right now living at home with some debt. Your life isnt over. Your fiance needs to get a job with benefits. You can go onto his health insurance and between his job and yours - even with the oop max medical bills - you will be making more money then the median household income in the US...Today is the easiest time in 10 years to get a decent paying job with benefits. Most companies will take anyone. Your fiance should have a job... 