220-age rule is meaningless. I’m 40 years old and have a max HR of around 200bpm. Resting heart rate is a more important metric when it comes to health outcomes and even then there is a factor of individuality. There isn’t any specific reason you should be worried about having a high MaxHR from my discussions with doctors and sports scientists but I’m not a doctor so if you think there is an issue of some kind of course talk to yours.
Why 220-age is meaningless:
Important part: “Consequently, the formula HRmax=220-age has no
scientific merit for use in exercise physiology and related fields”