Most people didn’t do FIRE style early retirement while dealing with pre existing medical conditions. There however was plenty of expats pre ACA who very much left the country for early retirement.
US healthcare is ruinously expensive but on average it’s not particularly good if you’re in the income bracket where 1/4 million over a few years is a serious issue.
Brit’s will also call themselves expats. https://britishexpats.com/forum/ ditto Canadians https://www.expatden.com/global/canadians-living-abroad/ Also, the US imposes taxes on Americans who leave until they renounce their citizenship on the upside they still get to vote. It’s an unusual relationship to your former country.
If you're saying that people who have permanently left the US call themselves ex-pats, that is news to me, and I can understand the confusion.
There are plenty of conditions where the difference between life and death is being able to get health care