HEALTH INSURANCE suggestions.

You can reapply for Medi(Don't)care Part B when open enrollment rolls around. However, you will pay a substantial penalty for all the years (or is it months?) that you were out of the system. Hang on a minute ... here it is, straight from the Medicare's website:

If you disenroll from Part B, it may result in gaps in your coverage, and you may incur a late enrollment penalty of 10% for each full 12-month period you don’t have Part B but were eligible to sign up and you don’t have other appropriate coverage in place.

https://www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms1763.pdf