One other "warning" unrelated to income and unrelated to gambling income, but related to signing up for Medicare. When they send you your confirmation papers, READ THEM. We signed my wife up for Part A and B when she was eligible, and they put her down as declining part B. We didn't check the packet when it arrived with the confirmation, and didn't notice until later that she didn't have Part B -- so much later that it was too late to appeal. As someone else said, signing up after the initial opportunity results in a delay before you can get it, and an increased Part B premium for life. We paid for stuff ordinarily covered by Part B out of our pockets for almost a year due to their error - and our failure to pick up their error in a timely manner.
I can't imagine why someone would not sign up for the whole package; basically it's health insurance at a 75% discount from commercial rates. Even if you can afford to pay your health care bills without insurance, why not take advantage of the government's willingness to underwrite your insurance to an extent that makes it a better deal than commercial insurance would be if the companies didn't even make obscene profits, or any profits at all!
Our own health insurance costs went from $12,000 per year to $2500 per year, and our deductible is now $250 instead of $10,000. Very little not covered that was covered by private insurance (if anything). Hard to pass up a deal like that.
--BG
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