You are turning 65. For most of your life your health insurance came from an employer group health plan. The next 20 years or so will be different. Why? You will be enrolling in MEDICARE. If you are a year away from your 65th birthday you are already being bombarded with junk mail and robocalls from folks who want to "help" you navigate the Medicare maze. Be careful! That first step and be a doozy. All your friends are giving advice. "You need what I have. No premiums....

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