My husband & I are self-employed. We each have an individual private BC/BS HSA insurance policy. He is 64 years and 3 months and nearing the age for medicare. We've been having a discussion about medicare. I believe that it is not possible for him to by-pass medicare and pay for (or continue) an individual private health insurance policy. I've never seen a private company offer this. Only medsupps. He says there should be no reason why he can't continue his policy if he wants to. (We haven't asked BC/BS about this.) Are there any companies that insure age 65 & older that are not part of the medicare system or Medicare advantage plan? He fears that if he is on medicare that under the new health care laws, he'll have trouble finding doctors who will take it. And because medsupps don't pay the difference between the total charge and what medicare pays, only the difference between what medicare approves and what medicare pays, he'll be limited in choice of doctors and care. The only other option that occurs to me is to pay privately, out-of-pocket for medical care and providers. But then I've heard that can be problematical also. I've googled the question but the results are all about medicare and medicare supplemental insurance. Thanks in advance for any information/explanations you can provide.