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No. of Recommendations: 2
He turns 65 next year, and is trudging ahead on this, financial planning be darned. (I wish he'd wait till 70).

Why do you think he can wait until 70 for Medicare ?

But this is the first place I would start -

I'm 65 and wondering why he needs help. For me, I went with a gap policy from United through AARP. Do you know what he can afford ? Do you know what his 2018 tax return looked like ? Does he plan to travel ?

His question seems to indicate that he already knows more than you. But let him know the premium is likely to increase each year on his birthday.
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