Just decide that you have to make the payments. You are breaking the law if you don't because all Americans are now legally obligated to have health insurance. Just do it. You may have to give something else up, but that's just that. It's your responsibility to make that payment, so just accept that. Once you sign up, the money will be automatically taken out of your check. Then you make do with what is left. If you are not getting a section 8 housing subsidy, then go sign up for that.

There are a number of ways that low-income people, like you and me, can get helped. Apply for all of them and, eventually, you will manage okay.