It is unfortunate that MA are advertised as they are, as "Free everything" plans. Like everything else buyer beware. If it seems too good to be true it probably is. I did review them in our area once and they were far too restrictive for my liking. I am hearing it works well for some though in certain locations here in Florida. I also do not like the underwriting required to change back. If we did not have that requirement, I would be more inclined to try it for a year or so.
Funny though, although modelled on the same idea, the ACA plans in our area are way better than the MA plans, DW has a PPO version. If I could have maintained my ACA plan after becoming of age, I probably would have kept it, but the monthly premiums were not $0. Deductibles on our joint ACA plan were Zero and docs visits were $5, MOOP was $2400. Medicare in our area with a supplement is almost double that.
With my heart issues I feel a lot more comfortable with Medicare + Part G. It paid for my new pacemaker and care in 2019 100% with no extra OOP costs.
If all the money that was put into advertising MA plan and others was put into the actual health care itself, can one imagine how affordable health care would be, and how profitable it must be?