Thanks for responding.
Medicare in northwest Missouri. Saint Joseph, Missouri which is served by Heartland Hospital. Ins agent says this hosital makes HMO's or PPO's prohibitive. Saint Lukes in Kansas City is within an hour but that can be troublesome in winter and I just don't like to drive that much.
No debts. Social Security and investments easly keep up lifestyle we enjoy. If we needed to write a check for uninsured medical bills for $25,000 or more it wouldn't hurt much in the long run. Of course I would like to eventually replace it with savings from premiums not paid but it wouldn't be necessary. We have no children and I wouldn't be interested in big organ transplants or other extreme death prolonging expenses. I stopped smoking and drinking decades ago, eat fairly healthy, 6-1 190 get regular checkups.