I am over 60 and under state pension age, earning well and know how to buy a 12-month certificate.
However, like, I think, most people over 60 I am on permanent prescriptions - three items every month and a fourth every three months in my case - and, to put it bluntly, without those three, which are for asthma and high blood pressure, I would probably be dead by now.
If I was in my forties, where I maybe needed one or two prescriptions a year, I might feel differently, but this amounts to a tax on the not-quite-yet -old.