HI !!
I'm still a newbee here, BUT I wouldn't do ANYTHING "Behind the backs" of your parents !!!
Since you are still living at home, you still have to live by their rules and if you use their insurance it will be hard to do any how.
Stay in school, and work on the stuff that you can do, Voice, Hair, Stuff that they are O.K. with.
It took me 50 years to get to the point that I'm at right now. Just started with HRT last month.
Yes it seems like time can't go fast enough right now, BUT it all takes time !
I know it stinks, BUT, others have done this before us and are happy now.
Just something to think about.
Jamie