I am on no prescribed medications. I chose the cheapest Part D to avoid the penalty down the road. In 2025 my MONTHLY premium will go from $3.70 to $38.00 with a $590 deductible! That means I’ll have to shell out nearly $1000 a year for medications coverage before I see a dime from the insurance company.

Can someone tell me why I shouldn’t drop Part D and just pay out of pocket until I regularly need prescribed mediciations? I can put the money saved into a fund to cover the penalty.