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Thanks for your patience with me. I have just learned something in thinking hard about your posts and managed to erase what was probably a stupid comment before you saw it!
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I've had this situation with a client. We called Social Security and they advised us that the client could not get a Private health plan. Only a group plan from an employer or spouses employer. The guys opted out of B so we had to wait til July for him to have an Effective part B. He is also being permanently penalized for this. If a client is on SSDI and has medicare they CANNOT go on ACAIf you call late at night, there's no wait. They're open all night.
what benefit would there be to your advising your client to give up Medicare, especially "knowing" they lose Social Security Retirement? If they lose the Retirement, they lose the Disability, their dependents' benefits, etc.
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