You shouldn't have to deal with this kind of stuff, especially at twenty.
I can ask my grandmother about all this. She runs a mechanic shop and has an understanding of this stuff since she has referred some of the employees to the affordable care sites. If you need it, I'm sure that she could find time to help you out but it's up to you.
My parents died a while back and I'm lucky to have my grandmother around. No one should have to deal with something like this alone.