Any USA expats have experience with the Social Security Medicare payments. I talked with a Social Security representative and he advised if we cancel our medical care payments we would be penalized up to 10 percent per year that we do not take coverage if we reapply. I was also advised that there is only 1 time period per year to reapply and that the time before the Medicare health coverage starts is about 6 months. Anyone with comments on cancelling or continuing the Medicare insurance will be appreciated. Thank you.