Medicare Advantage Instability and Enrollment Traps

Major insurers exiting counties: UHC 225, Aetna 160 for 2026; Humana dropping 600k in 2027, with Ohio rural counties losing options. Network narrowing, Part B giveback plans deceptive, two separate out-of-pocket limits cause surprise bills. CMS tightening supplemental benefit rules for 2027. Open enrollment deadlines approaching (ANOC due Sept 30). Medigap underwriting risk for switchers.