[FL] Health insurance options for an unemployed 26yr old female with ADHD/ADD

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Just turned 26 a month ago so I lost health insurance coverage through my dads employer. Cobra seems way too expensive for me and honestly my dad doesn’t want me on the plan anyways. I’ve done research on Medicare/Obamacare/marketplace. But I don’t qualify for many of the affordable plans.

My dad has been claiming me as a dependent all my life except now. I am a part time student and was self employed but not anymore due to COVID-19. My mom helps me out with some of my living costs and I receive unemployment compensation as well as SNAP. I recently applied through my benefits.Florida for medical assistance but not eligible for Medicaid.

I did explore Healthcare.gov to see the plans/prices for 2021 open enrollment and it estimated that I could save up to $376 on my monthly premiums with my 2021 estimated annual income (I put $15,000 just based on “gifts” , unemployment compensation, and self employment commission). Then when I went to fill out my application, it asks me how much income I made this month (which is not much) to estimate my 2021 income which did not meet the income requirements for the $376 premium tax credit.

I’m very lost on what I should do at this point since I see a psychiatrist every month, require prescription medication (that’s not cheap without insurance), wear contacts/glasses, and make a minimum of 5 doctor visits/year for lab tests, blood work, x-rays, etc.

submitted by /u/Zululor
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Just turned 26 a month ago so I lost health insurance coverage through my dads employer. Cobra seems way too expensive for me and honestly my dad doesn’t want me on the plan anyways. I’ve done research on Medicare/Obamacare/marketplace. But I don’t qualify for many of the affordable plans. My dad has been claiming me as a dependent all my life except now. I am a part time student and was self employed but not anymore due to COVID-19. My mom helps me out with some of my living costs and I receive unemployment compensation as well as SNAP. I recently applied through my benefits.Florida for medical assistance but not eligible for Medicaid. I did explore Healthcare.gov to see the plans/prices for 2021 open enrollment and it estimated that I could save up to $376 on my monthly premiums with my 2021 estimated annual income (I put $15,000 just based on “gifts” , unemployment compensation, and self employment commission). Then when I went to fill out my application, it asks me how much income I made this month (which is not much) to estimate my 2021 income which did not meet the income requirements for the $376 premium tax credit. I’m very lost on what I should do at this point since I see a psychiatrist every month, require prescription medication (that’s not cheap without insurance), wear contacts/glasses, and make a minimum of 5 doctor visits/year for lab tests, blood work, x-rays, etc.
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