This is our dilemma as well. Health insurance will be our single biggest expense. Our working plan is to cash out a biggish chunk of eth this year to buy some dividend income stock and get some cash reserves. We hope to live off the dividend income and staking rewards in 2022. We'll get subsidized insurance through the Marketplace. If our 2022 income is close to our current income we would end up paying a few hundred dollars a month for insurance. If at the end of 2022 our income from staking ends up being high then we will just pay back the insurance subsidy come tax time.

Obviously this is all dependent on the merge happening on time and rewards being available to cash out in 2022. But the basic plan to get affordable insurance is to only have huge capital gains in 2021 and then keep our income on the lower side in 2022.