I assume you mean Medicare u2023 not Medicaid. And no u2023 it would be stupid to opt out. First, it doesn't cost you anything to be covered, and you wouldn't save anything by opting out. But more importantly, if you are retired (and in some other situations) Medicare is your primary coverage by law u2023 whether you have it or not u2023 and other coverage will only cover what Medicare doesn't. Again, whether or not you actually have Medicare coverage. If you can find an insurance company that will pay you even though it has no legal obligation to do so, you'd probably pay through the nose.But the good news is that, if you were to somehow waive Part A, it would have no effect on your eligibility for retirement benefits.