Join the military at 76 yo?
I'm paying both through private and Medicare now. Useta be just private. Might be an "out" for me somewhere, as I pore through the 1000+ pages of the law which nobody read. Thinking of engaging a professional "straightener-outer" to help, with (of course) another fee.
All insurance of almost any kind does is increase the costs of services because the providers think, "It's covered by insurance, so we can charge whatever we want since the customer won't care."
"Charging what the market will bear" comes into play here, but the "market" is the deep-pocketed insurance companies, not the actual customer.
And the companies recover their costs anyhow in the form of increased premiums for claimants, folks in high-risk areas, "outs" for "Acts of G-d," civil unrest, et-fluffing-cetera.
Policies are written by high-powered lawyers for the low-powered customers.
All insurance is a racket anyhow.
There, I said it, and I ain't takin' it back.
Terry