I thought I saw somewhere there is no penalty if enrolling late if you are covered under the VA system? I get 10% compensation so only I am covered. The wife will probably have to enroll in time to avoid a penalty. We will have health insurance when I retire through work.
Not sure on VA but I also had insurance through work when I retired and once a person turns 65 it becomes a supplement and only pays what medicare doesn't. Better check because you could easily be stuck paying 80% of you're medical bill if you don't sign up.
