Thank you! I absolutely suck at game jams. Like, really bad. Ballionaire is the one time a gamejam (https://itch.io/jam/eggjam-20) went right for me (good idea, microscopic scope) - you can see a video from about ~10 days into development here: https://www.youtube.com/watch?v=CwIwcGewZME
Normally I either scope way too big, or scope small and lose motivation because the idea is too itty bitty to maintain motivation. I have no idea how to hit the sweet spot more frequently. Some people are just really good at this, but not me.
For insurance: private insurance via ACA/Obamacare. I had savings.
And a more realistic-adult question lol: how did you handle not having insurance from your workplace after severance?