I have a number of recessed lights in my house that open above to attic. The housing for these lights is of the older type that is not insulated or air-tight. Result is that warm air flows up through the lights into the attic and out of the house. Of course, not really a problem in the summer, but it’s a major source of heat loss in the winter. I don’t want to replace the housing on all these lights because that’s sure to be expensive. I also understand I shouldn’t put insulation (even fiber glass) above the lights because of fire hazard. What are my options?

Thanks.