Sorry, Medicare is not premium free. Medicare appears to less expensive the ACA (Obamacare) plans and may be less expensive that private insurance from one's company.
It's true Medicare part A, which is hospitalization is premium free if one has worked and paid 10 years, but Medicare part B, which pays for the physician, requires a premium starting at $185/month and rises depending on income. Also, one has to pay copay costs on both Part A and B. In additional, one has to pay premiums and copays for Part D, which is for prescription medications.
I use Medicare Advantage through the company from which I retired. It's a good plan because my company is large enough to be self insured. It costs me $41/month more than just Medicare. Hard for me to compare to similar plans others might have.
This is not financial nor health insurance advice. Please consult a professional advisor.
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