There are some agents that advise people to waive Part A Coverage when they become eligible.  While Part A is an entitlement at no cost (assuming you have worked enough quarters in your life) it prevents you from participating in a Health Savings Account.   A recent court decision in Federal District Court rules that any retiree that opts out of Part A coverage, forfeits all past and future social security retirement benefits.   The judge supported the current legislation stating that while beneficiaries are trapped ina plan meant for their benefit, there was no loophole to allow them out.  Changing this will require congressional action