How many extra years would you all hang around for full medical coverage, assuming you already had the funds for a comfortable, yet lean retirement?
What does full medical cost if you pay full freight?
If you're too rich to qualify for ACA subsidies, then it might be $15k/year to buy comprehensive health insurance. That's the value of what you're working for.
These corporate plans typically truncate when you hit medicare age anyway, so we might use age 62 as the cutoff point. If you're currently 50 and considering retiring this year, you're looking at needing 12 years of coverage at 15k/year, or $180k in total value. Which is worth more like $160k in today's dollars if you can invest the money at ~7% per year, because your average ROI offsets part of the premiums. So, I'd need to earn an extra $160k to pay for 12 years of medical care, and if I were earning $80k/year then I should be willing to work up to two extra years to earn that $160k. Of course, by then you only need 10 more years, not 12, so you'e already stayed too long. If you work any longer than that, then you've earned more money by postponing your retirement than the value of the corporate medical coverage you would receive by staying longer.
You can replace the numbers in this example with your own situation, of course, but in general for high earners who are most likely to ER, the value of your annual income is always going to rapidly outstrip the value of the medical coverage you might someday earn by staying at work. If your retirement budget is below the ACA limits and you can get subsidies, then this is a no-brainer because the corporate medical coverage you might earn is almost worthless to you.
My advice: just work a little longer to pad your investments, and let go of the idea of corporate-sponsored medical care. It's another ruse they use to keep you chained to your desk.