Well, plan A for me is the ACA with subsidies. If they ruin the ACA, I am hoping that the state of California, where I live and hope to stay, implements something reasonable (I think it will happen eventually, the question is when).
Plan B is to just buy private insurance straight from Kaiser (who we're with now and like), which will certainly put a dent in our discretionary spending, but based on the prices I'm seeing offered now should be manageable (accounting for prices rising with age).
Plans C-F involve some combination of hubby using his VA health care, getting cheaper, crappier plans, selling our house and moving to a lower COL area, earning more money with side hustles, or (worst case scenario) getting a real job again.
I thought long and hard about it and decided I'm willing to take the risk on this. I could spend another 5, 10, 25 years working until our nation pulls its collective head out of its ass long enough to come up with a reasonable solution that helps everyone, or until I have over-saved to such a ridiculous extent that I am prepared to pay sky-high premiums OOP forever, or I am finally eligible for Medicare (which isn't even a guarantee anymore). But that would GUARANTEE I spend the best remaining years of my life being completely miserable.
I've had two co-workers die in the past year, both of which were quite close to traditional retirement. One was sudden, one spent about 9 months battling cancer. Bottom line is if I have to choose between a longer life span that requires working significantly longer, or a shorter life span where I can get in at least a few healthy years of freedom while I'm still young enough to enjoy it, I'll take quality over quantity.