Hmm, wonder why SFO area is so much more expensive. Maybe try SJC? it can tend to be cheaper sometimes.
I'll do some looking if you'd like.
From what I know, I think name requiresa court appearance, but after July 1st, gender won't. Have to brush up on CA laws. I was only given a packet when I first thought I was starting HRT for Ingham County MI, not for Kern County CA.
Lucky you, my gender marker is keeping me in the men's dorms at school.
EDIT: found IND-SFO for $302 on Frontier in mid-March, and $276 on American in late February.
EDIT 2: early February on Delta or American for $276. I'll PM with more info if requested.