Charged 10% of My Income

I am barely paying my bills as it it and don’t have a savings and i can’t find insurance that is under $178. I’m being told that i’m going to be charged 10% of my income because I can’t pay for insurance. So then I get put into collections, what do I do?

I don’t mean to be rude, but if I could have insurance I would. I just don’t know what to do and it’s stressing me out because I have no options. I don’t know where i’m suppose to come up with that money. The extra money I get in my pay check is going toward college and a fund that I’m saving up to get my car fixed because it’s losing gas. What am I supposed to do?