Please don't delay in signing up for Medicare. If you sign up late you are hit with a lifetime penalty. My faher had VA benefits and lived outside the US. he saw no need to sign up. He came to the states for knee surgery but fell and broke his hip. Because there was no room in a VA hospital hours away, he was in a public hospital with no insurance. He had to sign up for Medicare and his premiums were nearly triple and was for his lifetime. When you get medicare, your existing insurance often turns into a supplement plan. So while Medicare pays for 80% of your bills, you supplement picks up the rest of the tab, so there is no need to put money away into an HSA
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