It seems as though this special needs trust is the only way you can have extra money and still qualify for medicaid and SSI. It's a government sanctioned trust at the state level. My other option is just to go on like I've been doing, getting by with no insurance, getting my meds through a free clinic that gets them from a drug co. I get my meds free. I go to a pdoc that is free for people with no insurance. There is a medical center with a cheap sliding scale if I get sick, which I never do. I know it's a risk but health insurance for me with Obama care would probably be $700-800.00 a month. I could just let the SSI and medicaid benefits go bye bye and keep control of my money like before. It's a toss up.