Sometimes it seems like a vicious circle since your self-esteem gets shot when you don't work and then you can't sleep. This effects your immune system and you catch things and your energy is low. Please remember to get exercise and sleep plus eat well even if you don't have that much motivation.
I find this site below good to compare health plans and it's specific to your zip code.
Don't avoid health insurance even if you feel down. Murphy's law can strike and you may need health care and then you'll be kicking yourself.
I find something good for improving motivation is reading quotes at night before bed.