RE: Part D penalty.
Once it is applied, the penalty continues as long as the recipient lives, even if the recipient later enrols in an approved drug program.
The government lies about the profits of insurance companies in order to demonize them and turn the American people against them so they can ram their public government run option down the throats of the American people. The profits being made by the insurance companies are in line and far below the profits made by companies in many other industries.
True, so get it removed ASAP if the penalty is in error! Most people don’t know how to do that. This is why an insurance agent might be helpful.