The medical underwriting on Medigap plans also affects people who have the foresight to choose Original Medicare with Medigap. Once you have a disqualifying he

The medical underwriting on Medigap plans also affects people who have the foresight to choose Original Medicare with Medigap. Once you have a disqualifying health condition (and since Medicare is for the old and disabled, this is most people), you are stuck. If your Medigap provider raises their premiums above the rest of the market, you can’t switch to another one. If you miss a premium payment and get dropped by the plan, too bad, so sad, Medicare Advantage is your only practical option now.