This is why I almost always suggest a Medicare Supplement (Medigap) plan for those who can afford it. However, most people don’t believe that they can afford it. A lot of them are wrong.
Methodology: Data taken from Florida Department of Insurance CHOICES rate calculator on 9/15/2018. Data on Homeowners rates are based on a $150,000 home built prior to 2001 with wind mitigation features. Data on Auto rates are based on full coverage for a senior married couple aged 65 and 70 with no previous accidents or claims over the past 5 years.