I assume you're American, because you're worried about health/insurance.

I've never lived like that, so excuse me if what I say makes no sense.

Can you not find an insurance policy that's affordable even when working part time? i.e. consider health insurance like other expenses that are very hard to entirely remove (some food, gas, car insurance, building materials, etc.).. i.e. most people wind up working something like 20-50% time to pay for those things, maybe after you add in health care you'll need to work 30-60% time?

Not possible?