If it’s advice you need. Make less money and sign up for medicaid. Also, if you are not getting Social Security for 40 years, you are mid twenties. Under a law going into effect in January, you may be able to get back on your parents plan until 26.
(In effect, this law makes it illegal to buy a policy which will not cover your kids until 26. Does anybody support such a thing? Why should parents need to cover kids until 26?)