Amanda Ribeiro

During Medicare Advantage open enrollment, people can switch plans or move to original Medicare through March 31.
Switching to original Medicare can backfire if Medigap insurers deny coverage using medical underwriting based on health history.
Many switch because MA networks are smaller, prior authorization can be heavy, and some plans have exited areas.
Guaranteed Medigap access exists for limited windows, including initial Part B enrollment, trial rights, and some state rules.
Advocates suggest free SHIP counseling, as underwriting has tightened and drug-history checks increasingly drive decisions.
I’m seeing more people consider leaving Medicare Advantage for original Medicare, but Medigap access can be a hurdle. Underwriting, limited guaranteed windows, and plan exits make counseling and timing especially important.

Beware Medigap Refusals Switching to Medicare

Global market size was ~$15.75B in 2025 and is projected to reach ~$47.97B by 2033.
Growth is tied to advanced analytics and data-driven decisions, with small and mid-sized firms adopting tools faster.
AI and machine learning add predictive insights, automating claims management and fraud detection to improve efficiency.
IoT insurance expansion and rising personalization demand push analytics for underwriting, customer engagement, and tailored solutions.
Compliance pressure and cybersecurity threats also drive adoption, including a Mid-Spring 2024 example using AI analytics for risk management.
I’m seeing insurance companies lean harder on analytics to make faster, more data-driven decisions. Adoption is spreading beyond large insurers, with AI, personalization, compliance needs, and cyber risk concerns all accelerating demand.