Medicare Advantage Instability and Network Narrowing

25 health systems quit MA in 2026; Humana dropping 600k in 2027; UHC and Aetna exiting counties; Fairview dropping UHC MA in Minnesota. Mid-year network drops can trigger SEP but require proactive request. CMS tightening supplemental benefit rules. Medigap guaranteed-issue rights for those losing MA plans in 2027. AEP switching nuances. New article compares MA vs Medigap (eHealth survey, Stidom quotes).