

Go read the entire Gender Dysphoria Bible to start. You may be able to start HRT sooner than you think, depending on where you are. There are programs that may help, or specialized clinics that offer cheaper care. A therapist, if you can afford it, is highly recommended!
If you can’t or don’t want to medically transition, that’s totally valid, too! You could socially transition. Choosing a new name can be super difficult (ask me how I know) and voice training is likewise difficult and a slow process, and neither of these require anything but you and your mind. Clothing helps with dysphoria, as well as makeup/hair/nails/jewelry or even just social groups and hobbies. Thrift stores are likely to have cheap options for beginners.
The other thing I would suggest is figuring out your support group. You do NOT have to do this alone. Whether it’s online communities like this one (<3 Blåhaj!) or real world friend groups or support groups, go find peers or allies.
Welcome to the sisterhood! I hope you find yourself soon :)
You might still be able to use something like Planned Parenthood to get coverage outside of your parents’ insurance. That said, this is going to be a recurring issue that you’ll have to address at some point. Your primary care physician needs to know you’re taking HRT because your blood tests will be… surprising if they don’t. I don’t know that to tell you about being in Texas. That’s a tough one, and I had a conversation with my own management recently about never going to that state for any reason, even if it meant losing my job. I don’t mean to scare you, but you should consider a move if you can figure it out. The GDB isn’t so long a read, it’s just really well organized. I devoured it in a day, not including the references. Those were saved for a later review. There’s a ton more info out there if you need it! Everywhere from Lemmy communities, to Reddit subs, to several private websites tracking resources. I found this one particularly useful, even if some of it can be a little out of date: Transgender Map. I had lots of the same questions that you do now, though my situation is different since I’m “over the hill” in my 40s, but you could take a look at the replies to a post I made over a month ago askig similar questions: Advice on finding doctors Hang in there! There’s always an option. You just have to decide which is right for you.