And MA plans are growing because of quirks in the law. Once a retiree enrolls in MA, they are locked out of pre-existing condition protections for Medigap (except a few states including NY and CT); they are bombarded with advertising promoting extra benefits which turn out to be mostly minimal; FFS Medicare has no out of pocket max making expensive Medigap plans necessary. Most initial enrollees don't even know their options.
And MA plans are growing because of quirks in the law. Once a retiree enrolls in MA, they are locked out of pre-existing condition protections for Medigap (except a few states including NY and CT); they are bombarded with advertising promoting extra benefits which turn out to be mostly minimal; FFS Medicare has no out of pocket max making expensive Medigap plans necessary. Most initial enrollees don't even know their options.