This post by legendary ER blogger John Greaney is really worth reading IMHO. And the link he gives to an overview on Boomer's Benefits of passing underwriting and/or being able to chance plans anyway (in about 12 states) is also invaluable.
https://retireearlyhomepage.com/medicare2024_medigap.html
https://retireearlyhomepage.com/medicare2024_medigap.html