question: medical transition without insurance coverage
wondering if anyone has any insight or advice. i am a 22 year old trans man, i live in a blue state but i am on my parent's employee insurance. the employer in question is a religious institution that does not cover any sort of gender affirming care for trans people. i have been on T for 10 months and paid for all the medication and appointments out of pocket (a bit less than $1400 from planned parenthood), and surgery feels so unattainable since most estimates i see put it around $10,000.
i am moving out of my parents' place soon but since i am still a student it's unlikely i will be working more than part-time so i'm not counting on getting my own employee insurance anytime soon. my school does not have student health insurance. i don't know how much money i'll be making once i move, but qualifying for medicaid might be a possibility.
i've done some research on alternative forms of funding and almost every article has linked me to point of pride's annual surgery fund. i do plan to apply when applications open in november, but according to their website only 24 people received funding from them last year, so i certainly don't want to count on it. all other grants or funds i've found are ones i don't qualify for based on location, funding for members specific demographics, etc, or they don't seem to be providing funding anymore (TUFF, Genderbands, etc).
does anyone know of any other ways i could try to cover medical transition costs? i don't want to go into debt in this economy, and i'm hesitant to do any crowdfunding since so many people i know are also struggling. i feel backed into a corner and i don't know where i can turn. thanks for reading.