Sanman,
I feel your pain! I am trying to decide between medical school (psychiatry) and graduate school (clinical neuropsych).
Neuropsychology has a promising future. Insurance concerns are a problem for behavioral healthcare providers of every stripe. They do not directly affect ONLY psychologists. As you may know, you will likely receive training in clinical psychology along with training in clinical neuropsychology (check out the University of Florida program in Clinical Health Psychology). Most programs have one or two faculty who specialize in clinical neuropsychology, while others have a dozen or so (UF). Oftentimes, your dissertation, internship, and/or postdoctoral residency will determine your ultimate career track. Unlike medicine, graduate training in psychology is rather flexible, and allows students to "pave their own path." This is especially true for the research portion of graduate training. While some programs have strict requirements, you are essentially limited only by how hard you work -- clinical work, research publications, etc.
From what I have read, school psychologists are in high demand, and the job outlook is very promising. I do not know much else about this field, other than the fact that Master's level school psychologists appear to be "taking over."
With respect to deciding between clinical, school, and neuropsych, I highly recommend that you shadow one or two of each type of psychologist, read up on some of the literature in each field, and explore as many programs as you can.
Neuropsychologists and school psychologists will be well off in the future for different reasons. Neuropsychologists are needed to evaluate neurobehavioral syndromes secondary to memory disorders, traumatic brain injuries, stroke, etc. They often play an important role in neurorehabilitation and treatment planning in a variety of clinical settings. School psychologists are needed to work closely with students who have learning disabilities, conduct, or attention-deficit problems, as well as normal functioning students. Given the increase in prevalence of such problems, as well as the sub-par academic performance of many American children, school psychologists will be hard-pressed to come up with novel solutions to deal with these issues.
PM me. I would love to discuss this further.
Cheers,
PH