Burden of caring for elderly parent

I am a solo child and my living parent is already 70 yrs old. Although healthy pa naman sya for now, I can’t help but get worried pag dumating na yung time na maging sickly sya at maoospital lagi. I am in my late 30s at wala namang pamilya pero kakaunti lang ang ipon ko. Siguradong lagas agad pag na-confine ng malala ang parent ko, magkakanda-utang utang pa siguro. Sa totoo lang, it keeps me up some nights thinking na lahat ng iniipon ko would be swiped in a heartbeat pag naospital ang magulang ko. Seems like wala ring HMO that covers seniors 70yrs old and up. Pacific Cross lang ata nakita ko but it’s fckn 70k per year, which is too much for me. Does anyone else have these thoughts as well? How do you sleep at night with this burden?