Those are all very common questions, and the truth is, there is no way that anybody would be able to answer them without more information (especially question #3). A few things to consider (I'll order them as you wrote your question)
1. Your health care plan should be tailored to your needs. Are you someone that uses healthcare a lot of very little? The answer to this question will help you decide on what type of plan to choose. For those that are relatively healthy and wealthy, it often makes sense to look into a high deductible plan and opening up an HSA.
2. Be sure to interview a few different Fee-only financial planners and find one that you feel comfortable working with. It sounds like you are unhappy with your current adviser because of performance, but keep in mind that past performance doesn't = future performance. Find out exactly how they get paid. They don't all charge a flat 1% fee.
3. Once you find your adviser from your second question, they should be able to help you with the this question. Too many variables here such as lifestyle and current net worth for me to get into any more detail.
The Money Track
Independent Financial Advice & Personal Financial Planning