Medicare costs
Sounds like you may want to gamble on your health which is not such a great idea but here is something to try.
If you can opt out of your current plan and get back into it later that might suit you well.
Then I would sign up for a Medicare Advantage plan. You can get one through AARP and its $0 out of pocket/month. The best thing is that it reduces your costs if you do need hospital or doctor services. It also has a drug plan.
Beware though, you can use only those Doctors and hospitals that are in the plan.
You can check out the Drs and hospitals in your area before committing to anything.
Now as you get older and want say more choices in Drs and hosiptals you may be able to opt back into your current plans if that is possible.
You just need to do a little homework.
Good luck!
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