If you are staying with your parents, I do not think Medicaid covers you. I do not see where you get < $50 for car insurance when you are under 26. Assuming a family like June Huh, they are much more likely to live in urban areas which does not fit into your cost model.
If under 26, you can get your parents’ work insurance, usually not a big increase, otherwise, you can just get crappy insurance for cheap. If urban area, you don’t need a car.
