I’m 54 and the primary earner but ‘professionally, I am exhausted’ — we have $2.18 million but what about healthcare?

Dear MarketWatch,

My wife and I are both 54 years old. I am the primary earner with a six-figure salary and equal bonus opportunity. My wife works part time for extra income. For the purposes of this, we can assume that our primary savings vehicle is my bonus, and that we live off of the paychecks. 

We have about $1.4 million in 401(k)/IRA…