[RS]

" Part D sends you to the private sector to choose the best plan for your individual circumstances."

But the problem is if you don't have any individual circumstaces at the present time - How do you guess what you may need in the future? - while they are threatening to fine you if you don't sign up for this private plan.

[speekinout]

But the problem is if you don't have any individual circumstaces at the present time - How do you guess what you may need in the future?

You don't have to guess. You can change plans every year. As long as you are covered by a plan, any plan, the fine (surcharge, really) doesn't apply.
If you don't have drug needs this year, you just sign up for the cheapest plan available. If you need more some years down the road, you can change with no penalty.

[bremenboy]

***But the problem is if you don't have any individual circumstaces at the present time - How do you guess what you may need in the future? - while they are threatening to fine you if you don't sign up for this private plan.*** Thats why its called Insurance. you need to decieded who much risk you will like to keep and how much risk you would like the insurance company to have.

what I would suggest to anyone who is in good health and needs to sign up to avoid the penalty is to sign up for the lowest basis plan should be under $20.00 a month in most states. Some under $10.00 this will give you a good plan.

please remember that you can switch plans each year during the annual enrollment that starts Nov.15, 2006-Dec.31,2006 For 2007