u/Formal-Meringue-8786

I retired early at the end of June 2025 from teaching at 52, before I was of official retirement age. I was vested, but didn't have 30 years in to get my full benefits. I currently have insurance through our state exchange for myself and my 2 daughters, costing us $1400 a month.

I got a letter from my previous employer, stating that they reviewed my records and I am eligible to join their health insurance, costing $550. The criteria for eligibility were vague - worked 30+ hours a week or be rehired with 26 weeks. I was rehired in that time frame, but as a sub. I worked probably 20 days last year. Subs do not qualify for health insurance.

I called and went in and was told I got the letter because I am eligible to join their plan. I questioned them, but they just keep saying I am eligible. The letter says I would have insurance through Dec 2026 and could fill out the paperwork to continue for the next year (if I still meet the eligibility requirements).

Is it worth it to save $850 a month for the next six months, knowing that I might have to go back on the exchange at that time? Could they at some point say that I wasn't eligible and I needed to pay the full price?

I try to follow the 1 hour up, 2 hour nap routine with my 13 week corgi. But... he doesn't always nap for 2 hours. Sometimes he does, but he will frequently wake up after 45 minutes or an hour. What do I do when this happens?

Also, how should I handle evenings. Yesterday, he went down for a nap after dinner around 5:30pm. He did sleep until a little after 7pm, but if I follow the one hour up, I would be putting him back to sleep at 8pm. I don't think he would sleep all through the night. He typically sleeps from 9pm to 6am. How do I make our evenings less hectic. The witching hour is hard, trying to keep him up until 9pm.

I have moved his crate, so It is in a quieter place in the house. But that hasn't really helped.

I wasn't sure which Flair to use, but I do crate him for his naps.