The rub: If you look at risk pools in insurance in terms of how companies determine rates, if no one buys F and C plans as new insurance products in 2018, the pool of people with those plans is going to tend to skew older and sicker over time. So if you have one of those plans, it may become increasingly less attractive.

Another tough issue is that when you switch Medigap plans, you do not necessarily have the same guaranteed rights of coverage that you did when you first signed on. It can be hard to replace a policy at as attractive rates as when you bought it. So if you’re sailing along and then your F plan rate gets jacked up, there’s not an easy fix.

This article was provided by Bloomberg News.

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