I'll be in a financial situation later next month, is there a way to lower the $200? Insurance?

Hi everyone, I'm in a bit of a difficult situation and I wanted to ask for some advice. I recently finished my studies and I am living from my savings while I look for a job. However this process has turned out to be a lot more difficult and tedious than I expected. I suspect I have OCD as I relate to a lot of the experiences described here, in particular those corresponding to pure OCD. I have continuous intrusive thoughts about how what I'm currently doing is not enough, I constantly need to reassured that what I'm doing is right, with some magical thinking and concerns about my relationship sprinkled in. These intrusive thoughts have made it very difficult to make any significant progress in looking for something. Added to this I'm not even sure I have OCD as I don't have the money to afford therapy right now (my mind keeps telling me that it's silly to write this message because there's no way I have OCD). I live in Switzerland so as far as I understand my insurance won't cover sessions with NOCD. In conclusion I'm a bit stuck, therapy would help with finding a job but I need a job to get therapy. If any of you have had any similar experience and have some piece of advice it would be very welcome.

Does anyone else find it odd that we are told we are “covered” and then six months later get bills for $800 + because we weren’t actually covered fully? If I had any idea earlier, I would have stopped. Nope, I’m told I’m covered and appointments are forced on me weekly, only to find out that the amount I’m required to pay with insurance is more than I paid out of pocket? Please confirm with your insurance carrier to avoid this horrible discovery in the middle of an economic crisis.

Anybody here worried about this bill that just passed? My OCD is firing up again. I’m a community college student here in California who is about to turn 26 this mid November, which means I’m going to be booted off of my father’s health insurance as the law requires. And right now, my mental health (OCD that I’m trying to get diagnosed, anxiety, depression, PTSD that I’m trying to get diagnosed) is the worst that it’s probably ever been!!! And I don’t see it getting miraculously better anytime soon, these conditions are definitely chronic and will be following me for the rest of my life due to my long history of them (never got formal help until I was 16 though). I’ve been battling this stuff since I was just a little girl in the 2000s. After I turn 26 this year, I was just planning to enroll in Medicaid (Medi-Cal) when the time came so I could focus on continuing my schooling and treating my severe mental health issues along the way. I was actually feeling hopeful for once about my life. It’s going to be absolutely devastating if I lose healthcare coverage just because I won’t be able to bypass the red tape being put into place and meet those rigid requirements that the bill is going to require. There is only so much I can handle at one time due to my disabilities. I admire people who can do so many things at once (work a job, go to school, take care of children, etc.), but it’s just not me. It’s a miracle after everything, that I’m even in school and doing okay with it (4.0 GPA). I’m even enrolled in my school’s DSPS (program for disabled students). There has to be something that can be done. Losing my access to psych meds and therapy is going to make my life so much harder than it already is. It could probably even straight up kill me, which would be devastating for my family to have see me pass so horribly. Whether it’s from untreated mental illnesses or from the simple fact that I could get sick and die from whatever else due to not being able to access healthcare. Sorry for the long post. But I seriously cannot be alone in this right now…