In my opinion, Medicare is almost free. Having been self employed, for 40 years and paying our own insurance. Wife recently went on Medicare, total for Medicare, plan F HD and part d, a whopping 210 a month. Mine at age 63, $979 a month, 7k deductible and lousy coverage.
Yes I know all of us, did pay Medicare taxes for many years, but still, her plan if it were not Medicare would probably be north of $2000 a month..
As an after thought, folks might want to look into, HD (high deductible plans) and see if they might be a fit for them. Quite a bit cheaper