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Welcome to JustAnswer Health...and thank you for your question. I am a verified Expert and am delighted to help you today. Because you are under a great deal of stress you are coping in the bet manner you know how, which is lying awake pondering possible solutions. This does not mean you are OCD or that you have any kind of mental illness. My recommndation to you is to try to decrease the stress... whether it be to eliminate or decrease the source... or to find a way to reconcile it through relaxation techniques.
Here is a very good stress releiving guide that may help you: http://helpguide.org/mental/stress_management_relief_coping.htm