Thank you for the welcome. My situation is a little different than most. I am a 68 year old man who only signed up for Medicare A when I turned 65 because I am covered by an employer sponsored plan. I have also already retired from another job and I carry BC/BS in addition to my state health benefits. The state offers a $150/mo. incentive for people in my position to drop the state benefits. I was going to take it until I heard Medicare rates are going crazy in 2016.