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As far as health insurance goes, I'm looking into her going on the gov't exchanges vs taking advantage of the health insurance from her job.

If she is under 26, have you considered the cost to carry her on your plan? I carry both of my kids on my health insurance, and plan to do so until they turn 26 in 3 years, which is also when I plan to retire. As it turns out, it is cheaper for me to have family insurance than for them to each get health insurance for themselves, although with DS changing jobs, I'm not even sure he will have health insurance offered through an employer, and he needs to be covered due to his health issues.

It might be worth investigating as an alternative since you are looking at different insurances anyhow.
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