Labs are suddenly costly?

[southernlady]

"do you get to keep whatever unspent money is in there when you retire...and if so, is your health...and Charles' health good enough to take that gamble?"

Yes - can use it to pay Medicare premiums/copays for a while. I've got about $8K (pre-tax) in it.

I want us to go to the same doctors. I'm probably underthinking this, but I figured that whatever Medicare Advantage plan we buy, it would be easiest if we were on the same plan.

Same type of plan, yes. Both dh and I are now using AARP United HealthCare Med Advantage PPO but we each are required to have our own policies. My policy number HAS to be separate from his.