When the Insurance Credits Disappeared, So Did My Mental Health Access

Rolled up dollar bills spiral out of open orange prescription bottles. A lid reads “hold tab down, turn.”

As early as I could remember, I’ve been conditioned to believe that being an overachiever ensures success. But after I gave birth, my postpartum blues didn’t gradually decrease — they got louder. So loud that I felt disconnected from my family and myself.

I’m a late-diagnosed Black woman living with ADHD, PMDD, anxiety, depression, and CPTSD. For years, I tried to function without medication because that’s what I was taught to do. However, mental illness runs in my immediate family and I wanted to break the generational curse of not addressing it. After almost two years of mental health prescriptions, the few interruptions I’ve had have made me reflect on how vulnerable and raw I’ve been navigating society.

It’s hard to explain to people who’ve never lived with invisible disabilities how hard it is to live life. I second-guess everything. My insomnia spikes. My executive functioning short-circuits. My friendships suffered because I became distant and disappeared without notice. My need for constant dopamine dominates my day because I have to force myself to focus — which leads to procrastination, perfectionism, and a nonstop struggle to balance parenthood, adulting, and maintaining boundaries.

Medication gave me my life back. It gave me balance. It made me functional in ways I hadn’t been before. I could finally see things clearly and the background noise was gone.

Then the insurance credits disappeared.

As a freelance writer, I’ve held more contract positions than W2s at this point, placing me squarely in the gig/creative economy. Marketplace insurance wasn’t a luxury for me; it was my lifeline. All it took was sixty days for that to unravel. In the first thirty days, my medication costs went up. Three months later, my insurance lapsed. The tax credits that had made my plan affordable were eliminated. What had been manageable became a $600 monthly insurance bill and a $1,000 quote for a single prescription.

Every calendar month, my anxiety spikes because I have to juggle an already stretched budget to afford the medication I need to survive. I’ve tried to reason with myself because I’ve been unmedicated before; maybe I could do it again? But I couldn’t. What I experienced without medication isn’t just discomfort. It feels like a system failure. Invisible disabilities in an ableist society make you an invisible punching bag because I’m expected to perform neurotypical productivity while managing conditions that most people will never see and never acknowledge.

Black women are already undertreated for mental health and maternal health conditions at disproportionate rates. The marketplace credits saved lives and without them, many feel like they are on borrowed time. Mental health treatment isn’t optional for those of us who are neurodivergent. For people like me, it is the difference between functioning and falling apart — between showing up for my daughter and disappearing into myself — not a political agenda.

Policymakers who treat healthcare access as an economic line item have never had to choose between groceries and the medication that keeps them present in their own life.

I have. Every month now, I do.


Erika Hardison (she/her) is a Chicago-born cultural journalist, critic, and founder of Fabulize Magazine. A Lambda Literary Award finalist and Schomburg Center moderator for nearly a decade, her work has appeared in Reactor, Publishers Weekly, USA Today Reviewed, and HelloBeautiful. She is currently writing So You Think You Know Static with University Press of Mississippi.

About Rooted In Rights

Rooted in Rights exists to amplify the perspectives of the disability community. Blog posts and storyteller videos that we publish and content we re-share on social media do not necessarily reflect the opinions or values of Rooted in Rights nor indicate an endorsement of a program or service by Rooted in Rights. We respect and aim to reflect the diversity of opinions and experiences of the disability community. Rooted in Rights seeks to highlight discussions, not direct them. Learn more about Rooted In Rights.

Monsters in the Closet: Facing Fears of Inaccessibility

Black and white illustration of a young child with long dark hair in a dress covering up their face as the mouth of a VERY large generic monster with sharp teeth tries to eat them.

The portrayal of disability in horror films is often very problematic—think of mental illnesses such as Dissociative Identity Disorder (DID) in the 2016 movie “Split.” Yet, horror movies hold a special allure to me. This could be because my mother has always been opposed to horror, gore, and movie violence in any form—except for distinct comedic effect. However, I think horror movies can hold a certain allure for disabled viewers due to their relatability. Being disabled can be incredibly anxiety-inducing. I find myself constantly in a state of what-if when dealing with aspects of my disability in an inaccessible world:

“What if TSA confiscates my medication? What if the environment there drives me to sensory overload and there’s no way to leave? What if I don’t “look” disabled enough to receive the accommodations I asked for?”

Horror movies often portray disabled people as the horror, but the true horror is the inaccessible world. I remember I hated tag, the default game of every elementary schooler, because I was always caught first. Years later, when watching horror movies I remembered the fear of being the farthest behind like the characters being picked off first by the monster.

In a haunted house horror, the family is tormented by fears and horrors while inside the house; outside of it, their anxiety over what lies inside tends to devour their lives. As long as the environment around us remains inaccessible, people with disabilities are constantly stuck inside the haunted house. Assuming that our home environments are accessible to us, that consolation can be our one reprieve. However, not everyone is that lucky.

Recently, one of my what-if scenarios happened. Since the beginning of the pandemic, I’ve done everything I can to prevent getting COVID-19. I have asthma and a history of lung disease. For many disabled people with similar concerns, the COVID-19 pandemic elicits a seemingly never-ending fear: what if I get COVID? Although vaccinations and new antiviral medications tampered these fears, the reality of a positive COVID test was still a shock.

By December of 2022, I’d made it through almost two full years of negative results. Each time my reactive airway and lungs flared up at an everyday cold, I’d take a test only to be negative. At this point, I did not expect to test positive, yet that second pink line appeared thick and clear. It was undeniable. Although I coughed and wheezed and my chest tightened, ultimately I didn’t need to be hospitalized. This was a feat I owe to vaccinations and modern medicine.

The real horror movie began after COVID, when suddenly my asthma was significantly worse. My pulse oximeter showed my oxygen levels dropping regularly to low 90s, a never-ending cough developed, and I was overtaken by a level of fatigue that I’d never experienced before.

Again, the horror for me was not my symptoms but the inaccessibility I encountered in everyday situations. The steep stairs to my apartment became the equivalent of a long, dark hallway from a suspenseful horror film. I started using a cane to combat the fatigue so that I could make it through my work day. My slow pace and inability to run created an even tighter time crunch, worsened by my ADHD. Everyday household tasks, such as laundry, became impossible as I no longer had the energy or strength to haul it to the laundromat without bending into a coughing fit or asthma attack.

Eventually, I was prescribed cough medicine and a new inhaler that managed to restore my asthma to a controlled state after a few more weeks. However, my asthma did not disappear and COVID-19 lingers.

A coping method I’ve been taught for anxiety  is to play out a worse-case scenario. This way you see that even the worst situation your anxiety can throw at you is not world-ending. One therapist explained it to me as “…seeing monsters in the closet makes them less scary. It’s the idea of the unknown that is the most terrifying.” I played out my COVID-19 scenario in real time and, despite the real struggles I faced dealing with the aftermath of the virus, I found ways to accommodate myself, even when facing inaccessibility.

Horror movies push monsters out of the closet. Most horror movies, especially the haunted-house subgenre, end in a tense resolution of the protagonists leaving the haunted area, often with the monster lingering in the background. In “The Shining,” the mother and son manage to get away unharmed, but Jack is left at the hotel, mad and murderous. The threat of fear lingers on, just as the threat of inaccessibility never fully dissipates.

People can develop a disability at any point in their life, even people who already label themselves disabled have fluctuating support needs. These are all themes that linger in the back of horror, often cloaked in offensive stereotypes. I often wonder what horror stories and movies written by disabled people could look like. How would we portray the everyday horrors of inaccessibility? Inspiration porn pities us and stereotypical horror films label us monsters.

However, we are just as human as any nondisabled characters, with flaws and triumphs that make us neither distinctly hero nor villain. Let’s take possession of the real monsters—the world’s accessibility barriers—and bring them out into the harsh daylight alongside the ghosts and demons on television.


Fifer Charlie Loftus (they/he), who goes by Charlie, is a queer disabled writer who lives in New York. He works in a library and enjoys reading, writing, and playing board games in his free time.

Rooted in Rights exists to amplify the perspectives of the disability community. Blog posts and storyteller videos that we publish and content we re-share on social media do not necessarily reflect the opinions or values of Rooted in Rights nor indicate an endorsement of a program or service by Rooted in Rights. We respect and aim to reflect the diversity of opinions and experiences of the disability community. Rooted in Rights seeks to highlight discussions, not direct them. Learn more about Rooted In Rights