FIRE in <3 years? Looking for advice-- soft retirement, healthcare, Roth ladder

Us: M(38) + F(36), PA-based
Net worth: ~$1.25M
Paid off house + car

Breakdown (excluding home/auto):

• $600k 401(k)s
• $150k Roth IRAs
• $60k cash (high yield checking + savings)
• $30k HSA
• $40k brokerage
• $10k Traditional IRA

Income:

• ~$220k combined salaried
• ~$8k side income now (expect $20-30k within a few years)

Spending:

• ~$55k/year (not including healthcare)

Goals:

• Soft retire / FIRE in ~3 years
• Quit salaried jobs, focus on side business
• Manage our own time, take vacations as we like
• Open to returning to work if needed

Looking for advice on:

• Healthcare... ACA options? BBB impact?
• Roth conversion ladder... how much to convert / how to structure?
• Where to save next few years... tax-advantaged vs brokerage?
• General confidence check... does this seem on track?

To put it into non-bulleted words... we have low expenses with the paid off house/car/debt free, so I think we should be fine with our normal expenses. But I'm worried about how to best withdraw from our accounts and how to pay for health care. I was less worried about healthcare a day ago, but now that the BBB has passed, can I still qualify for ACA subsidies?

Any other advice as a near-FIRE-er?

Thank you!