If FNA result will not show abnormal tissues, the PEI procedure can be attempted first before surgical removal. (Effective for nodules less then 2 cm)
It's possible that your doctor might be thinking that the cysts could become cancerous.
If you really want a second opinion and if you can try to get to a lager hospital with an endocrinology clinic and apply for their charity care or whatever program they have for those without insurance.
I to have no insurance and I was lucky enough to get approved for what they call in PA Medical Assistance, charity care in PA only pays for 1 bill and not the clinics I found that out the hard way. I’m originally from New Jersey and their charity care covers the clinics.
Good luck to you I wish you all the best