I have insurance but every time I go to a doctor they always still manage to make it cost 100+$ and thanks to their incomprehensible medical billing codes I don't even have a way to budget for it if they decide to do some test that costs a lot and insurance comes back saying it's not covered after the fact.

I'm mitigating the alcohol thing by only using it in majorly stressful times. Normally I don't drink as much.