Sounds like maybe you’ve resolved your training target for next year 
As someone who has gone through injury/surgery recoveries previously, and is currently going through a lengthy recovery (hit by a car two months ago) I’d encourage you not to overly plan your path forward. See how your body responds and leave yourself options until you see what your physical condition and limiters will be. Obviously, do all of this in conjunction with your medical team
As a (well) insured American - I’d say it isn’t worth racing if you don’t have medical insurance. I personally think our medical system in the US is a joke and puts us on par with developing countries, but that turns into a political conversation that we probably don’t need to have in this thread