Ok so there is a lot of math you need to do here if you really want to compare things, on top of if you are comfortable having a mortgage when in retirement. The first thing I'd recommend is going to healthcare.gov, or even healthsherpa.com to price out some plans to get an idea of where things are. Keep in mind next year FPL is increasing due to inflation. Source: almost 1 year ago

You might try looking up plans on healthsherpa.com. The plans listed there are ACA plans and I think their interface is a little easier to browse than healthcare.gov was last time I looked. Source: over 1 year ago

ACA for health insurance - the price varies a lot based on your age, location, and whether you qualify for subsidies. healthcare.gov is the official signup but other sites like healthsherpa.com can give you an idea of the rate. Source: about 2 years ago

ACA plans - Affordable Care Act, also deemed Obamacare or the public marketplace. Serve a great purpose. Those earning less these will receive a credit from the federal goverment towards their healthcare called a "premium tax credit." For example, Jane really needs health coverage, but the premiums are just not affordable, since she earnes about $35,000/year. Again,, her rates are determined by gender, age, and... Source: over 2 years ago

Something else you might consider is to ask your employer if they could just give you a stipend each month for insurance and go buy it on healthsherpa.com or healthcare.gov yourself. Source: over 2 years ago

Coffee increases serotonin levels, etc. (You can check epocrates.com for the full "physician desk reference" run-down. ) Coffee is not on the "must avoid" list. It is on the "not recommended" list. I never changed my fairly normal coffee consumption. I am not recommending you drink coffee, and this is not medical advice. YMMV. I am just trying to lay out the facts to help - and I hope they do. Good luck. Source: almost 3 years ago