By the tenor of your post, you act as if you DIDN’T want to be a part of the great socialist exchange that is there to BENEFIT you.
I hope to keep my company health plan, but I don't want to get snookered. I plan to defer collecting SSN until age 70. My retirement $$ are probably woefully inadequate for full retirement before age 98 (and then probably only if I promise to die by age 99)