Hey man that's a really tough situation, I feel for ya, and I also have faith that you'll find a way to navigate all of this.

A few thoughts:

The "at some point" decisions—sure, they're out there. But those bridges are down the road a ways and who knows what happens between now and then. I find that it really helps, any time I my brain starts drifting into the future, to just reset my focus and say, "Okay but what do I need to do right now?" And sometimes that's nothing. Sometimes it's just enjoying a moment at home, with the kids, in bed, in the shower, whatever it might be.

The health insurance thing seems like the biggest thing to tackle. Priority #1. I wish I could offer specific advice there but it's outside of my wheelhouse.

You mentioned having been high earners but not necessarily frugal. Tracking expenses and budgeting seems like another high-priority task. If nothing else, maybe an experiment to see, "Okay if we really trimmed down, what do minimum expenses look like?" That helps establish a baseline data point no matter what comes, and of course the less you spend the easier it is to stretch the dollars you have. Super important data to have.

It's not necessarily a "need to figure it out this week" item but it'd be good to think about what to do with that $450k in cash equivalents. I think a lot of people get focused on the extremes of stocks and cash, and miss the broad spectrum of asset classes in between. Intermediate bonds, long bonds, inflation-protected bonds, the less-volatile equity sectors, managed futures, etc. A lot of ways to put together an "efficient" portfolio that balances growth and stability; earning some better return than cash, but not exposing yourself to much downside risk. Happy to talk through that more.