I am assuming NY means New Jack City.
It sounds that you would not consider going anywhere else. Yes? No? How about someplace in New York State? Once you leave The City there are lower cost places to live in the sate, but not REEELY low cost places.
Are you anticipating the end of the road, career-wise? Early retirement?
Is there a reason you are anticipating being dependent on Family Health Plus?
Please tell us more about you-all.
I have outlived most of the people I don't like and I am working on the rest.