@sandra so far as I've heard, Minnesota's public health insurance/low income health insurance covers gender care fully.
I can check with my gf, but I don't think she's had a copay for hormones, therapy, psych stuff, or most surgeries. I don't know if ffs/implants are fully covered, but I've heard laser and such can be, if you go through a bit of a process for getting it reimbursed and such.
Not exactly an answer for your question, but it might be a place to start a search? Most of the queers looking for roomies I know up here are immuno sensitive, so they're pretty cautious about living with folks they haven't met yet.
@starless @sandra gonna repeat myself slightly here and say I did chime in as well about Minnesota care, since I'm on that myself. I don't pay for my meds or my appointments.