As a CFP(R) practitioner, I disagree with most of the posters on this thread who are either telling you what to buy or discouraging you from speaking with a professional. You should speak with a financial planner. You have a significant health challenge, and relatively few assets with which to take care of yourself--much less carry you through decades of retirement. In my experience, folks with fewer assets are often more in need professional guidance--even if it is to prepare for medicare/medicaid realities.
A competent financial planner will take a few hours to help you get all of your needs out on the table, OP. What is your income? How do you need to spend money today? That is a good indicator of how you will need to spend money in the decades to come, PLUS inflation costs. How many sources of income will you have in the future? Do you have a pension plan or access to Social Security benefits? You may need to build your own personal pension through insurance. Time is definitely on your side.
A competent financial planner will also help you diversify your wealth and investment risk into "buckets"--long-term needs (for retirement income, which can sustain more risk as it looks for long-term growth), medium-term needs (the new couch, a nice vacation, potential down-payments) and short-term needs (for your emergencies, glasses, and "go-to" cash if the markets are unfavorable--this bucket would require CDs and cash-equivlents).
OP you can start a well-reasoned plan at your relatively young age. I'd rather work with you than a 60-year old, panting to retire, who has accumulated fewer assets and has debt. A good planner will help you maximize your taxation situation and work with any tax preparer you already have for your betterment. Do you have your legal documents in place for your estate? I'd help you find resources to get it done.
Finally, at the $85k level you'd qualify for flat fees with my firm, which almost always turn out to the investor's benefit. But the choice would be yours to pay that or retail. As some have said on this thread, be wary of any financial advisor who pushes proprietary product for higher commission. A good planner will have access to the investment universe and transparency with regard to fees. Some RIA's can create a plan, for a fee, and then you take the plan to engage elsewhere (or online for yourself). As far as fees, everyone in the investment world gets paid, OP. Everyone. A good planner will show you how different investments get paid, and the risk associated with them. Also, a good planner will know a lot about you before they even come pushing investment products into your face. Beware.
I like my clients to not only know WHAT they are investing in, but WHY. It goes a long way to help with what I like to call the "sleep-ability" factor.
Your needs are unique to you, OP. They are not like mine or anyone else's on this thread. You need a plan customized to you. Don't be afraid of working with a planner if you get good value for your money. You should never have to pay for an initial consultation, and you may even be in a city that offers free Financial Planning Days. The one I'm volunteering at in Denver is next month. Wish I could chat with you.