Wake up and smell the coffee. H is not naive as you might like to believe.
H WAS ACTIVELY PURSUING CHICKI. CHICKI KEPT SHOOTING HIM DOWN. Chicki seems to be doing the right thing, H keeps initiating with her. Why did Chicki ask H about health insurance? Probably because he pressured her into letting him be her expert.
If you have any doubts, H's actions simply ARE flirtatious, pursuing, etc. Personally, I'd be VERY surprised if something didn't already happen that H was trying to keep going and Chicki was backing off from.
H is LYING to you about his involvement with Chicki. If he were back where he needed to be, he'd tell you he had been flirting with trouble and it scared him.
Anyway, sounds like you have a good plan. Don't disrupt the kids. Ask yourself what you've been getting out of the M (not much, it seems) and what you want. Then try to make the M something that you want, because it doesn't seem to me that you like H or your M very much right now.
It is a shame you don't usually snoop. If you snoop out of the blue and find something, odds are that your timing was not incredibly lucky, but that there is usually something to find.
