I am sorry for your wife’s troubles and your burden.
I had full medical as part of my retirement.
They took it away about 7 years ago, long after I was vested.
I have a meager pension left, if they dont swindle me out of that.
Then there is SS, which they will probably swindle me out of.
All one can do is save and plug along.
Just when you need the medical is when there will be none.
When you turn 65 you can buy a medigap policy - if you pick the right one - it’ll protect you. Most States have nonprofit organizations that will explain the options... In Florida it’s call SHINE. Call you State government and get the phone number of a group that will explain insurance choices to you...