Consider this: Rent out the house, move somewhere where you can continue to work remote and have universal healthcare or similar systems where your healthcare risk is limited. Quality western european countries will accept folks with as little as ~EUR25k/year in passive/rental/remote work income.

Personally, healthcare costs keep me up at night regardless of NW. I've seen high net worth individuals get obliterated by a black swan healthcare event (almost always cancer).

EDIT: @mukwenhac Drop an email in your profile.