Give or take much of the above holds true for me. I currently live in Luzerne County, Pennsylvania, which has a distinction of being one of the high-case areas of the state. Before that, this place was internationally famous for being the home of the Kids for cash scandal. We're lucky that we have a state governor who hasa reasonable level of good sense, but is partly powerless when things get to the national level.

My spouse and I work for one of the largest employers in the county as well, and am fortunate that they've granted us something called Weather and Safety Leave since 23rd March, all the way until things die down. We'd be teleworking for them, but our fixed Internet access can only handle basic browsing, not good quality VoIP, so basically I sit around all day waiting for instructions from my boss. Which is another story (all that UFB goodness I hear about in New Zealand… one might be able to get quality access in some areas in the US, but if you're in an area that either doesn't look profitable or doesn't get government subsidies, you're screwed).

Healthcare is a mess, even before the current troubles. Indeed, even though I have what's considered to be a reasonable plan (read: employer-based with supposedly reasonable cost-sharing), I paid about USD$1,600 in cost-sharing to access an emergency department in 2018 (it would have been lower, but I had to go a second night after they misdiagnosed me on the first) and it would have been far more if I had been admitted overnight. I fear being able to easily afford any COVID-19-related treatment cost-sharing. Sure my insurance might have waived testing costs, but they sure haven't waived treatment costs like some others. (I'm hearing there's a chance insurers might try to make up for the losses by heaving up rates next year. Another story I suppose.)

So I'm lucky that my employer hasn't let me go (yet). I'd be up a very smelly creek with no paddle if so.