CMS MA star ratings/MA vs Medigap G/N/FEHB feds, PartD OOP/$2000 cap Q2/ExtraHelp/QMB, PartB hikes/COLA erode/$6k bonus/IRMAA relief/gaps/LTC $10k+/mo/GLP-1/insulin/MA 2026/OEP Apr1/upcoding/hospitals reject cancer/AZ enroll/delay working/2027 rates 2.48%

MA exits UHC/Humana dump 2.9-3M+ enrollees 2026 (rural VT92%/JAMA/CMS), $6k+ bills/denials/networks/hospitals rejecting MA for cancer catastrophe vs Medigap G/N savs $2.8k/lock-in at65/services(SHIP/eHealth medicare.gov); WV/NM Medigap birthday rules (WV Jun'26 24mo same insurer/Medicaid loss, NM Jan'27 70k) ease switches; Star Ratings overhaul $18B+ 2027-29 simplified metrics/ax admin for 4-stars/bonuses amid upcoding/belt-tightening utilization/cost controls 2027 bids; 2027 rates finalized 2.48% net $13B boost(4.98%eff/2024 risk model,unlink chart dx/stocks UNH/Huma+6-11% up to14%)/CMS Apr2 annc simpler plans/better drugs/quality/lower costs; 2026 changes PartB$202.90/$283 ded/PartD $2000 OOP cap(IRA zero copays after deduct$615/25% initial)/insulin$35/prior auth/WISeR/free vax; Extra Help LIS 2M miss/$thousands; LTC $10k+/mo nursing norm/$70-128k/$115-130k/yr gaps (Medicare short skilled only/Medicaid spotty drains sav fast); premiums double $5k/yr 2035; PartB$202.90 erode/IRMAA; OEP Apr1/Mar31 deadlines/FEHB delay65/$7k sav; OBBBA immigrant disenrolls 100k Jan2026 incl legal status rules; fraud alerts NPN/MSN.