How are people 26+ affording insurance with chronic illness?

Question

I’m 24, so I’m still on my parents’ insurance for now, but I’m honestly really anxious about what happens when I turn 26.
I have POTS along with multiple other chronic illnesses, and between specialist appointments, testing, and medications, I can’t imagine paying for everything without good insurance.
I’m currently in the process of applying for SSI, but I know that can take a long time, and there’s no guarantee of when (or if) it’ll be approved.
I’ve been applying for remote jobs because my health makes traditional jobs difficult, but I haven’t had much luck getting interviews or callbacks. I’m also a senior in college and plan to go to graduate school afterward, so I’m trying to figure out what my options are long-term.
For those of you who are 26 or older:
What do you do for health insurance?
Are you working full-time, part-time, on disability, or using Marketplace plans?
How do you afford all of your medications and specialist care?
If you’re on SSI/SSDI or Medicaid, what was that process like?
I’d really appreciate hearing how others have navigated this because it’s something that’s been weighing on me a lot lately. Thank you!

Posted Aug 5, 2026, 1:30 PM UTC

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