I like to remind my friends starting out out on Medicare to sign up for partD
regardless of their health or wealth. I complained about the plan premiums
while I was in great health until the prescriptions piled on in my 70s.
Now I am on a very costly biologic and my benefits far exceed all my prior
contributions.
Once you sign on to an Advantage plan you are likely to be stuck there.
Regular premium supplement plans such as F or G do not have to accept
you should you feel disadvantaged.