Yep, I hear you. My husband lost his job of 23 years in September and I haven't worked in several years, so no income. We have a mortgage, property tax is due and all the usual bills. He did apply for unemployment and got first check several weeks ago, although it's only 40%(I believe) of what he was making before. We have no health insurance but have now applied and gotten Covered CA. It doesn't take effect until January. We've been on the phone every day to Medical so that we're covered for November and December-lines are busy, can't get through. This is a living nightmare.