Some seniors ask why do they even need to enroll in Part D if they don't take any drugs. Penalties for not enrolling can add up! I look at the Part D penalty rules and a quick spreadsheet to show how they can add up for the rest of your life.
Here are some links to share about Part D:
https://www.kff.org/medicare/issue-br...
https://www.kff.org/policy-watch/medi...
Here's my standard warning: I'm not a financial planner. I'm not a professional. There are no initials after my name. So take these as entertaining ideas from an educated DIY retiree. Always do your own due diligence, and seek out a professoinal if you need one.
Follow me on X (formerly Twitter) @iwasretired.
See my Googles Site (link above) for shared links, spreadsheets, and more.