Do you have a T?
I ask because that can be a major help in getting rid of the dead weight, him that is.
Are you keeping him around cause you are afraid there is no one else? I'll bet that once he is gone you will start to feel better and a dog will be a much better support with your depression. Once you start feeling better you will probably start making other changes, like eating less, getting your hair cut.
If he can not afford the insurance don't let him manipulate you into keeping a car for "poor me, what do I do? " give him 24 hours to pack and drive him to a shelter exchange him for a pond puppy!