I have to admit the medical insurance mess between what's left of free enterprise and the government is so convoluted you need a team of lawyers and medical bureaucrats to figure it out. As you age you will need more coverage so take a guess and get the best you can afford and if you can get some of that through the government (taxes and fees you already paid) for "free" or minimal premiums go for it. It's CYA time. You may need to consult with your employer or some kind of retirement financial guide. I am very grateful for my wife because she had most of it figured out years ago and we've always managed to do well. However, in more contemporary times the whole mess is starting to resemble a very expensive freight train going off the rails and even she can't keep up with it. The greatest relief we get in this mess, so far, is at renewal time the little clause "Do nothing to keep the same coverage as before." It is getting hellaciously expensive, though.

Does anyone really believe anything dealing with the government is free? Only if you swam across the Rio Grande River..

You have paid into it via involuntary withholding (theft by taking by the feds) for 54 years (since 1966.)
As you age your health is likely to get worse and you may need treatment of some kind.
If you have no objection to being treated by allopathic methods - which is the only kind of treatment that is allowed under medicare - then it may not be financially wise not to use medicare, as long as you can refuse treatments that you do not agree with.
If you stop paying for medicare now and later decide to start again, I think they will charge you more per month than if you had continued to pay. I think, there is a penalty applied if you start paying again, that gets larger each month (year) that you didn't pay.
I don't recall the details.

How healthy are you......and are you familiar with the Smith and Wesson retirement plan?
If you can afford it....I’d keep it.
Remember money isn’t worth saving at this point. If that statement strikes you as false it’s because of years of indoctrination into a false paradigm.
If they are letting you buy life/time with worthless fiat......that’s a good deal.

Medicare is not usable outside of the USA?

Medicaid is the really big scam. Started as an offshoot of Medicare, to provide medical care to the poor. Now has grown to a monstrous 80 million people, more than Medicare. It is ridiculous that Medicare, which all of us hard working individuals have paid in to our whole working lives, only covers a percentage of costs, and includes a monthly fee based on income to cover office visits, when Medicaid is essentially free care provided to anyone below a certain income level. When I worked in urgent care, 70% of the patients were Medicaid, and were charged nothing! There has to be a fairer way to cover health care costs.

All things considered, I won't see a doctor or nurse of ANY flavor unless I need stitches or an examination for skin conditions, and those I'll pay out of pocket. Sincerely, if need be, I'll die slowly and painfully over something routinely treatable because of what I've witnessed over the last few years. The medical profession has completely lost my confidence and trust.
That said, I'd love to get my stolen money back from medicare/medicaid, and social security too. I'm not sure if its possible.

I have been paying Medicare for two years. I collect Social Security in January. I was thinking about cancelling my Medicare all together. Any thoughts from the group?