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I'm now at Medicare Initial Enrollment and trying to decide between
the HDG, N, and G Medigap plans, in order of increasing monthly cost to me.
My main concern is possibly wanting to change from HDG later on.

I'm generally very healthy, no drugs, doctor once per year, and
in very good shape financially. I've had two self-inflicted injuries
over the last 5 years costing me ~$6.5K on high deductible ACA plans.

Anyone have any info/comments on changing plans after the 6 month
Initial Enrollment period?

The link below (from 2015) shows a sales distribution of supplement plans, and the
HDF (it would be the HDG plan for me since F/HDF is being phased out) at only 1%.
This concerns me that so few take it. I don't want to shoot myself in the foot
by taking it and not being able to change because of underwriting.

https://www.unitedamerican.com/white_paper/UAI3342HighDeduct...


Jerry
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