If I were trying to save money on healthcare premiums, and I had no pre-existing conditions, I might go with Medicare Part C, but only if I had solid plans to move states (change residence) in a few years. You have 11 months to switch without underwriting anyway. And then if you had a health issue that wasn't handled in a world-class way, you move (run the planned residence switch), and get traditional Medicare with a supplement plan without underwriting. You do get guaranteed issue if you move out of your Part C's geography, right?
By the way, I think "Part C" is the best way to refer to these plans. It's more accurate to think of the plans as getting a "C" grade, than saying they hold an "Advantage" over traditional Medicare![]()

Can I change my Medigap policy?
Find out if you have a right under federal law to switch or drop Medigap policies, or check with your State Insurance Department.
I found the above info at medicare.gov regarding guaranteed issue rights. Click on the link "What are guaranteed issue rights?" near the top. It covers situations when one can switch to Medigap with guaranteed issue rights.
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