I am so sorry that you are faced with such a dilema. However, we cannot tell you what you should do as this has to be your own decision based upon your financial situation and your health care needs. It would be unethical for us to tell you which way to go in this situation. If you followed our advise and it did not work out, then we could be liable. So, while I truly wish that we could give you an answer, we cannot.
I do hope that you are able to find a solution that works for you and we are here for you, whatever decision you make.
Peace and Blessings