But I don't have time to career plan

If you needed to change where or how you work - tomorrow - do you know what you would do?

I have long thought that medics need a plan B career and possibly a plan Z

There are lots of risks to being a medic
Needlestick injuries
Burnout
Boredom
Some medics do get made redundant - it is rare but it happens
 https://www.bma.org.uk/advice/employment/redundancy/redundancy-guide

Most people only think about the career back up plan AFTER something has happened to force their hand but at this point the time and resources to put into steady well planned career diversification may not be at hand. Career planning under pressure is nowhere near as easy or as fun or as effective as career planning done at a steady unhurried pace.

Medical career planning is something that at Medical Forum we encourage ALL THE TIME
I don't meant 24/7 but certainly between 1 and 4 hours a week ( former - maintenance level and latter when things need to crank up a bit)

There is a tendency to assume that one's employer is responsible for ones career
The truth is - you are the person with the most vested interest in your career your finances and your future.

For some people career planning comes naturally but for others it is an area of mystery or even strikes fear into the heart.
However for everyone - a slow steady approach to career planning ( over years) is the most effective way of gaining back up plans or steering diversity and change and new challenges into ones career. 
Zero career planning on the other hand  - the more passive approach to ones career - can lead one into career plateau, career spirals ( downwards) and career crises or an unsatisfying sense of career drift.

People often state that they don't have time for career planning - busy weeks and all.
I ask two questions
A Would you feel more secure with a back up career plan?
B Do you spend any time each week moaning about or feeling deenergised by your career?

​If the answer to both of these is yes - then merely shifting the time spent in B into time spent in A will most likely mean that career planning can be time neutral.