Answering 2 questions (blingual here
First, when I retired I never heard of SWR or FIRECALC
and it would not have mattered as I am pretty sure
any method of precalculating my chances would have
come up "keep working". So 95% or -0- % chance
made no difference in my case. I admire unclemick
for many things, having the guts to go without
health insurance being only one. If I was still single with 5 years to Medicare, I MIGHT take a chance. I do recall
that some coverage was so pricey I knew I couldn't
(wouldn't?) pay it. We have evolved into a
situation where my wife keeps both of us covered,
either through her work, or as currently with a
stand alone (non-employer sponsered) policy.
So far, so good.