I hit that point a bit over a year ago. It's not really all that confusing once someone explains it to you. once you figure out what plan you want, it's easy to shop around for what you find is the 'best deal'. Same for drug plan. Since I only use a generic that is $10/month at Walmart...I signed up for the cheapest drug plan (10 bucks a month) just in case. 200 buck deductible...but why pay a lot more ? you can change drug plan every year...same for your Medicare provider if you get fed up with them, or they jack up the rates. Your rates will go up with age..but not that much. Yep, when you hit 65, you only have to pay 1/4 of the premium. The taxpayer pays the rest. Actually, if you are 'lower income' you pay way less than 25% of the average annual cost of your policy. Good deal.Before that, I was paying about 400 a month for 2000 deductible and 30% copay up to 5K......and 250 a year deductible for drugs. Like fleg, my travel budget went up thousands a year. Unsustainable, but we'll wait to see what happens. t.
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