No insurance and no savings — where do I even start?

There's a real path — it's just badly signposted. Three doors to knock on this week: (1) SAMHSA's helpline, 1-800-662-4357, free and 24/7 — ask specifically for state-funded treatment options in your county. (2) Medicaid: losing job coverage usually opens a special enrollment window, and in most states Medicaid covers substance-use treatment; enrollment can sometimes be expedited. (3) Search this site's directory with the 'sliding fee scale' and 'Medicaid' filters — sliding-scale places set the fee from your actual income, which right now is low, and that's exactly what the scale is for. The wait for a state-funded bed can be real, so get on lists NOW and keep calling. Broke people get sober every single day. The system is clunky, not closed.