I would encourage you to make a distinction between expenditures you must make to keep body and soul together here and now and "bills." Bills often are for expenditures made in the past that perhaps involved living beyond one's means. Sometimes it is necessary, practical and simply in one's best interests to default.

It is not against the law to default on paying bills. Providing yourself with food and shelter right now comes first. Servicing consumer debt need not be top priority. Medicare premiums have to take priority over any consumer debt you may be trying to pay.