Just getting used to the new message board so apologize for any mistakes.
I am so sorry that your family is facing such a difficult medical crisis. Kidney disease is tough to deal with but genetic diseases such as PKD must be even harder to deal with. There is a wonderful book written by Suzanne Ruff, The Reluctant Donor. She writes about her journey of becoming a donor to her sister with PKD and how this disease has effected all of them.
Family donation comes with a multitude of layers. There is a sense of obligation, guilt, love for your sibling and whole array of other feelings. I found (and still find) it helpful to speak with a social worker or psychologist who can help you sort out your feelings, have a safe place to vent, and perhaps even give you some concrete skills on how to deal with the family pressure.
I think that recipients and donors get very different information from the transplant team. The surgery is often played down by the recipient's physicians and it is described as minimally invasive, go back to work after two weeks, live a normal life with one kidney. The donors need then to work out all the details, assess the risks, figure out if donation is really appropriate for them at a given time. Your concerns are valid. Not having insurance, caring for your immediate family, being unemployed, certainly sounds like reasonable conditions for you not to qualify at this time. Frankly, a hospital that would approve an unemployed uninsured young person would be acting (IMHO), negligently. Please speak with the social worker at the transplant center to help sort these issues out. One needs to be healthy physically, mentally, emotionally and financially in order to undergo elective surgery. Just as a hospital would not accept a potential donor with health problems, so to they should not accept a donor with potential financial or emotional problems. This doesn't mean you can't donate in the future but you may have to work some things out first. The center always gives the potential donor what they call a medical out. You can say that you are not ready at this time and they will let the recipient know that you are not medically able to donate. Some people feel this way they can decline with dignity and not cause a family rift. I hope in the future that communication between the professionals, the donor and the recipient is improved so that there is less pressure and more understanding on everyone's part.
Best of luck in your decision and keep us posted.
Sherri