This wouldn’t solve your insurance problem, but around here there are so many .2 to .8 part time school psych positions. No one wants them except housemoms bc you don’t get insurance, but it might be a way to keep working and not have a huge gap in your work history. There are also lots of staffing companies that do offer insurance and can work with fewer hours. You might also consider a smaller, more rural district. It’s a much different feel being in a k-12 district of 400 than a hs district of 4000.