Hands please, who has just Medicare, no supplement, or advantage, just stand alone Medicare???

[Mystery To Me]

14. Wife and I

Have Medicare part A and B. Also the cheapest part D. The premiums were 40 cents a month last year and 0 this year. I think they are going up next year. The coverage/deductibles are pretty bad but we rarely take prescription drugs. We mainly have this D plan so that if we need drug coverage in the future we won't have to pay the severe penalty for going without coverage. Which is 1% for each month that you aren't enrolled while eligible. So if you forego part D coverage for 3 years, you will pay a 36% penalty for as long as you have part D coverage. At least that is how it stands now. Who knows how it will be in the weeks/months/years ahead.