@ Mark -- without a settled heart and with worries burdening your mind, you are headed for a bad road trip. Personally, I live without the healthcare because for me, my health is the most important thing that I have. Sound ironic? If you are to go to work and spend 8-12 hours per day unhappy, stressed, upset, depressed and disatisfied, then what do you think will happen with your health? You will start with colds, head aches, stomach aches, flus and so on. Before you know it, you will hurt yourself -- ulcers, physical accident, arguments at home. With this scenario, you will end up needing your healthcare.
On the other hand, if you eliminate the stressors in your life, you will become healthier, happier and whole. You will not need the healthcare as often as you would otherwise. It sound surreal, but it's true.
In my previous job, I was stressed to the max. I didn't like my boss, worked long hours, commute time was riduculous but I had healthcare benefits, bonuses, monthly expense account and travelled if I chose to. When I first started, I was fresh, energetic, healthy. By the time I left that company, I was always sick with a cold, continuous cough, head aches, gained weight, grumpy, did not eat healthy, no routine in my life and spent time with my kids in a foul mood (and they bore the brunt of my anger). Bad choice for me.
Then, I left and went to my last job. A quarter of the pay, definite hours and a position that most would deem as "beneath" me. I went from hi-tech to healthcare. I had no benefits, no expense account, no travelling and three bosses.
Even though I worked with people who were ill and communicable diseases prevailed, in my entire two years there, I never once became ill. I did not take any flu shots or bumper vaccinations. I lost the stressors. I came home happy, laughed with my kids and enjoyed my time at the end of the day. I (touch on wood) have not been ill one day for the past 2.5 years. 
Stressors = unhappy life, unhealthy life
Mark, you and Linda are at a point in your lifes where you deserve to enjoy life.
It is not an easy decision for you. I know that. And no one can decide this for you. You will have to decide what is more important. Take a book, split pages (left = pros, right = cons) and write how you feel with your heart and think with your head. The answer will appear on the page.
All my love to you and Linda! xox 