I feel like before retirement, in the US, many people’s concern should be having enough savings for their 50 to 65 years.

No Medicare, so you still need to buy insurance and pay for out of pocket maximums, and you are less and less employable for jobs that offer decent subsidized health insurance. Also, unless you qualify for significant ACA subsidies, premiums are going to be more than $1k per month per person.

And at the same time, most people will be getting their Type 2 Diabetes/Hypertension/Thyroid/etc diagnosis so their chronic medicines start.

If a married couple can both cross the age 65 line before hitting a big healthcare event, then they will probably be OK, but that is far from a guarantee.