For starters, the number of times that myself or either of my former or current spouses has felt the need to seek out a vendor of medications at 0300 has been...zero. That said, and I don't mean to be trite, you deal with it by living like you live 2 hours from an ER. Know your first aid, make doubly sure to keep those fingers away from that table saw (and even that won't likely kill you before you get to the ER). That, and just don't obsess over it. People have lived far away from emergency medical care for many years. Sometimes they die as a result. Sometimes people die driving to the ER that's right down the street. But me and my house, just because a hospital could be close to home doesn't mean it has to be.

(Says the guy smack in the middle of Redmond, WA within a long walk to the ER...or a five minute drive. That hasn't always been the case, however.)