Subject: Re: Don't delay your retirement, anything could h
I'm not basing it on "someone who is in unusual circumstances". I'm basing it on years of reading on the old TMF boards, and independent articles, and -most recently- this:

https://www.youtube.com/watch?...
(John Oliver deep dive)

Medicare Advantage is a trap. And once you fall in, it almost impossible to get out because of the rules around Medicare.

If you're reasonably healthy, it's not bad. Seems cheap. If you have serious problems, you will probably have serious issues with Advantage. You're basically inserting an insurance company between you and Medicare. You only need Medicare, and a Medigap policy.