Currently on SSI disability. If I sell house, how do I maintain healthcare if I can’t work?

I’m in a really unique crack in the system. I’m very grateful to be in my position, but it’s also kinda killing me. Very much trapped. I’m hoping somebody here can finally help me because no one who is actually “supposed to” has actually been able to. for years now.

I’m a mentally (psychiatric) and physically disabled adult in my 40s. I have to plan that I may never be able to work again, although I maintain hope that if I can figure a way out of my current mess, I MIGHT be able to do something again one day. 

I’m on SSI and that’s how I receive my healthcare. But I also own a house. I have desperately wanted to sell it for years now because it is TOO MUCH for me and has made me so much worse over the years. I’m at my wit’s end, and I’m really done.

If I sell it, I lose my benefits (healthcare). But I have to.

Every time I’ve tried to figure this out, I get overwhelmed and give up. I have to figure it out this time. It’s crushing me.

How does “regular” insurance work?!

I tried to understand, and I just can’t. 

But if I sell my house, I won’t qualify for Medicaid. 

Special Needs Trusts — I don’t understand them, and I don’t have anybody to explain them, but it seems like I won’t have control over my money and they’re irrevocable 

The ACA stuff is income based (I likely won’t have income) … is that just w-2’s?  Do they count income from stuff like investments? What if I put my money into something like a CD that earns interest? Could I claim that and use that to buy their insurance? 

See also  Using Health insurance feels like gambling.

I don’t want to end up as another statistic — homeless and disabled — because of a medical bill, which I’ve heard happens to people even if they do have insurance. What do I do?!