What to do with HSA Funds during early retirement.

Wife and I are considering an earlyish retirement. Both are 50 and looking at possibly calling it quits in the next 2 years.

We basically have:
5.5m in 401ks

1m in brokerage

200k in HSA

1.2m in home equity

I never gave the HSA account much thought, but now that were looking possibly being able to retire, i started reading a bit. Supposedly you cant use the funds for premiums? seems odd that you cant, but thats what I read. Do we just use that money for medical bills until it runs out or are there other options? I guess at like 65 we can use it for anything, but thats a bit of a ways out.