For renters there are federal programs to help with your rent. The Section 8 voucher program is one. Some programs have nice handicap rental properties where the rent is tied to your income. See if you can borrow on a life insurance policy when things get rough. Contact the Red Cross, United Way and Catholic Charities.
Some counties have weatherization programs.
Cut coupons and use generic brands. Scan the newspaper for church suppers and free events. If you suspect fraud on the part of your insurer or employer, report it to the fraud unit at the worker's compensation board. Report medical fraud, also, to the State Office of Professional Medical Misconduct. If you were fired within a year of filing a claim, file a termination discrimination complaint.