Your Medicare cost is somewhat set. It is added coverage that you can manage by alternatives. One option is to select a Medicare Advantage program which might be next to zero in some cases. But you have to study details. Limited networks of providers is typically one issue. As you enter the Medicare system your health may be great. But things change over time for some of us. The supplement plans definitely will cost more, but as described in posts there is some flexibility to choose options.
Another consideration is possible benefits that you obtained from your employer.
In my case, my former employer pays $1000 per year toward my insurance. So, if I have an Advantage plan at no cost, no payment.
Also, some Advantage plans and supplement plans offer some incentives such as Health Club dues. My wife and I both use Genesis which used to cost $55 per month for each of us. That cost went away when United Health care picked it up.
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