We didn’t sign up when we turned 65 either. Still don’t have any insurance. We just pay as we go. So far it’s cost less than a premium would cost. We’re pretty healthy. I’ve had corneal transplants, Covid and I take blood pressure meds. My wife never gets sick, except for having Covid and catches a cold sometimes.
The corneal transplants were real expensive. The original bill was $60K or so but the doctor gave me a 25% discount for paying cash. The monoclonal Antibodies for Covid were around $650. Getting blood work once a year is costly ($500).
Blood pressure meds are a good example of how screwed up the industry is. When I had health insurance when I was working, my meds copay cost me about $45 a month. When I was self employed with no insurance I payed cash and they cost me $17 a month. When we were in Florida, Public’s grocery store gave them to me free.
We use a doctor service online. FaceTime with a doctor. Cost $75 a visit.
I don’t plan on getting insurance.
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