You are still on your father’s insurance so it’s better to call the insurance company and get the full information about the coverage in your situation. You live in a different city, so almost all the health insurance plans offers coverage for out-of-state medical visits. Ask the company to check if it has network of doctors in Lorain. In-network doctors generally charge less and have a high chance of covered.

That’s good you sold your house. According to you situation, you have two options:

Invest more money for your future financial stability and buy a comfortable house without a reverse mortgage. Invest some money and buy a big and nice house for yourself, but be very careful with the reverse mortgage.

Ultimately the choice is yours. Financial stability and peace of mind are at the top of the priority list. So I suggest it’s better to have a solid financial foundation than the comfort of a more luxurious residence.

The current Federal Reserve Rate is 5% to 5.25%, which you need to keep in mind while choosing between short-term and long-term goals. To control inflation and economic growth, the Federal Rates need to be changed from time to time.

But you have short-term goals, so you can choose High-Yield Savings Accounts, Certificates of Deposit (CDs), Money Market Accounts, Treasury Bills (T-Bills), and Short-Term Bond Funds.

All these options are good for short-term goals. They often require a minimum balance to qualify for the higher rates, have flexibility with your money, and have fixed interest rates from a few months to a few years.

Well, investing in crypto is all about the safety and security. And the US government is working in this direction. Rules at state, federal, and FinCEN level centers mainly focus on consumer protection, fraud and money laundering.

New technologies like Blockchain analysis tool, manage risk and protect their customers. Then there is MFA( Multi-factor authentication) in which the customer is granted access to the website only after giving 2 or more evidence to an authentication process.

Before investing, just make sure you are using authorized US Exchanges, consider hardware wallets and stay connected with SEC official website (https://www.sec.gov/).

Just understand that crypto is still developing, so it's better to be more conscious to reduce the risk of fraud.