I think you get a bit more money if you wait. That’s what my dh did. I signed up at 65 because I’m a clutz and break myself. Good thing! I can’t imagine the ER hospital bill for my appendectomy.
I had Covered California the past few years. It was terrible lol.
PPD
It was 8% more a year for my better angel - 32% total
https://www.ssa.gov/benefits/retirement/planner/1943-delay.html