Many health centers (like Callen-Lorde in Manhattan) offer a sliding scale (which I use) for those without insurance and have a low income (for cost of living in that area.) This is for both therapist and HRT (even prescriptions.) All that was required was a copy of my pay stub and just stated my rent and other expenses. I pay $60 for doctor's visit, my HRT prescriptions are $28/month and my lab work averages $110 (once every 3 months, then 6 months then yearly.)
If you can find LGBT health center in your area then that would be a good place to start. There is a directory of them
in this pdf. Starting on page 11, some different centers are listed for different parts of the US. There is some great other stuff in there to that is worth looking at later for name changes, etc.