You shouldn't look for the answer in a vacuum. Instead, look at both Social Security eligibility and timing, as well as your own life expectancy.

Social Security benefits are less if you take them after 62 and before your full retirement age of 67. They also increase if you defer retirement to age 70. Your marital status affects the ultimate amount of your combined benefits too.

In contrast, Medicare enrollment is geared to start at age 65. If you do not enroll and aren’t covered by an equivalent plan, you will have significant penalties, some of which can last a lifetime.

Also, if you're looking at delaying any benefits you should at least have some idea about your life expectancy and consider much time you want to free for your retirement years.

Medicare provides a tool to estimate your Medicare eligibility dates and premium estimates. This eligibility side provides information and an online tool to help you determine whether or not you are eligible for Medicare, and to provide information about enrollment. The estimate side calculated your Part B premium based on income, martial situation, tax filing status, and income.

There is also a simple Life Expectancy Calculator to help you ballpark your own. It factors in gender, but not health, genetics, behavior, diet and more. It is only a starting point

Social Security offers a benefits screening questionnaire about your current age and situation to filter and find possible income benefits you or a disabled or low-income family member may qualify for. It also guides you to a place to directly apply online.

You can also sign in and get an estimate of income to expect.